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An A-rating indicates financial strength, long-term solvency, and an established history of protecting North Carolina physicians. - * MedPro Group - **The Doctor’s Company - ** Curi (Medical Mutual Insurance Co. of North Carolina) - **ProAssurance - **NORCAL Group (A Part of ProAssurance) ***Your time is better spent with patients, not insurance companies.** MEDPLI advocates for doctors to find the best rates in North Carolina, managing the entire process from quote to coverage. [Get Quote](https://medpli.com/#quote)*** ## 2025 North Carolina Malpractice Insurance Rates by Specialty These rate estimates are for informational purposes only and are based on the NC standard limits of $1,000,000 for Each Claim / $3,000,000 Aggregate per year in coverage. Quotes require a completed application and underwriter approval. [**Contact us**](https://medpli.com/contact-us/) for a custom estimate if you don’t see your specialty.   **Specialty** **2025**** Annual Premium 2025 Tail Premium Anesthesiology $18,000 $36,000 Cardiovascular Disease– Minor Surgery $16,000 $32,000 Dermatology– No Surgery $9,000 $18,000 Emergency Medicine $27,000 $54,000 Family Practice– No Surgery $10,000 $20,000 Gastroenterology– No Surgery $12,000 $24,000 General Practice– No Surgery $10,000 $20,000 General Surgery $32,000 $64,000 Internal Medicine– No Surgery $10,000 $20,000 Neurology– No Surgery $13,000 $26,000 Obstetrics and Gynecology– Major Surgery $58,000 $116,000 Occupational Medicine $7,000 $14,000 Ophthalmology– No Surgery $7,000 $14,000 Orthopedic Surgery– No Spine $32,000 $64,000 Pathology– No Surgery $7,000 $14,000 Pediatrics– No Surgery $10,000 $20,000 Pulmonary Disease– No Surgery $13,000 $26,000 Psychiatry $5,000 $10,000 Radiology – Diagnostic $18,000 $36,000 Have a question? Get fast answers from a U.S.-based MEDPLI agent. [Call**](tel:800-969-1339) or [**email**](mailto:info@medpli.com) us today. **** ## **North Carolina **Medical Malpractice Payouts From 2015-2023 **MEDPLI’s multi-quote approach saves an average of 20% on insurance premiums.** [GET A QUOTE](https://medpli.com/#quote) ##   **Types of Professional Liability Insurance for North Carolina Physicians** Choosing the right professional liability insurance is essential for physicians in North Carolina to protect their practice, reputation, and financial security. Here’s a breakdown of the main coverage types available in 2025: * ### [**1. Claims-Made Insurance**](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) - Covers claims only if both the alleged incident and the claim occur while the policy is active. If a claim is filed after the policy ends, it won’t be covered unless additional coverage is purchased. - Premiums start lower but increase over the first few years. - Since claims can be filed years after an incident, physicians often purchase [**tail coverage**](https://medpli.com/products-services/tail-malpractice-insurance/) to extend protection after the policy ends. Tail coverage allows claims to be reported after the policy expires, covering incidents that happened while the policy was active. ### [**2. Occurrence Insurance**](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/) - Provides coverage for incidents that happen during the policy period, no matter when the claim is reported. - Compared to claims-made policies, premiums are higher, but rates remain the same throughout the term of the policy. - Physicians avoid the need to purchase tail coverage, making overall costs easier to manage. **In 2023, North Carolina physicians were held liable for 85 medical malpractice payouts.** - Average Payout: $321,558 - Total Payout: $27,332,500 (Source: National Practitioner Data Bank) [**See how North Carolina compares to other states**](https://medpli.com/medical-malpractice-payouts-by-state/). *** ## **Tort Reform: Does North Carolina Have Damage Caps for Medical Malpractice Lawsuits?** While North Carolina does not have an economic damages cap, [**North Carolina statute § 90-21.19**](https://www.osbm.nc.gov/facts-figures/economy/liability-limit-noneconomic-damages-medical-malpractice) imposed a cap of $500,000 cap on non-economic damages in medical malpractice cases and is adjusted for inflation every three years. The limit was set at $656,730 as of January 1, 2023, and the subsequent adjustment is scheduled for January 1, 2026. Non-economic damages include: - physical and mental pain and suffering - emotional distress - loss of enjoyment of life Notably, there are exceptions to this cap. **Exceptions**: - If a patient suffers disfigurement, loss of use of a body part, permanent injury, or death. - If the defendant acted with reckless disregard or malice, the cap may be exceeded. Understanding these caps is essential for North Carolina physicians to assess liability risks and ensure adequate malpractice insurance coverage. **** ## **North Carolina Statute of Limitations for Medical Malpractice Claims** In North Carolina, the statute of limitations for medical malpractice claims is [**generally three years**](https://www.nolo.com/legal-encyclopedia/what-the-north-carolina-statute-limitations-medical-malpractice-lawsuit.html) from the date of the alleged malpractice. ** ****Exceptions**: - If the injury wasn’t immediately apparent, the patient has [**one year**](https://www.ncleg.gov/EnactedLegislation/Statutes/PDF/ByChapter/Chapter_1.pdf) from the date the injury was discovered or reasonably should have been discovered to file a claim. However, no claim can be filed more than four years after the date of the alleged malpractice. action can be filed up to two years after the date of discovery. - If a [**foreign object**](https://benchbook.sog.unc.edu/sites/default/files/pdf/RULE%209%28j%29%20of%20the%20Rules%20of%20Civil%20Procedure%20-%20Special%20Pleading%20in%20Medical%20Malpractice%20Claims_0.pdf) (e.g., a surgical instrument) is left inside a patient’s body, the patient has one year from the date of discovery to file a claim, with an absolute deadline of ten years from the date of the procedure. If the malpractice occurred before the minor turned 10, they can file a claim up to their 10th birthday. - If the malpractice occurred after the minor turned 10, they have three years from the date of the alleged malpractice to file a claim. - If medical malpractice results in death, a [**wrongful death**](https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_28A/GS_28A-18-2.html) claim must be filed within two years from the date of death. Given these variations, it’s crucial to consult with a qualified mnedical malpractice insurance broker to ensure the best coverage and the lowest rates. **Canceled or Non-Renewed? MEDPLI Is Your Best Ally**. We’ve helped over 7,000 doctors eliminate liability risk with comprehensive coverage & affordable rates. [GET A QUOTE](https://medpli.com/#quote)** ## **Why North Carolina Doctors Partner with MEDPLI** We exclusively broker medical malpractice insurance, focusing daily on making the professional liability process less burdensome and expensive for doctors. With MEDPLI, North Carolina physicians: - ** **Save Time & Money**** We submit application paperwork to multiple carriers on your behalf and compare quotes to find you the best rate from an A-rated carrier. - ** Stress Less We navigate the specific requirements of your medical specialty and individual risk profile to evaluate carriers and policy details to identify underwriters whose risk appetite aligns with your needs. ## MEDPLI helps doctors in every specialty. ** With MEDPLI, you can easily find premier coverage at a competitive price, whether you’re a podiatrist in Charlotte or an OB/GYN in Durham. Call [**800-969-1339**](tel:(800) 969-1339) or [**Request a Quote**](https://medpli.com/#quote). #### Share This Story, Choose Your Platform! [**](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmedpli.com%2Fnorth-carolina-doctors-buying-guide-to-medical-malpractice-insurance%2F&t=2025%20North%20Carolina%20Medical%20Malpractice%20Insurance%20Buying%20Guide)[**](https://x.com/intent/post?text=2025%20North%20Carolina%20Medical%20Malpractice%20Insurance%20Buying%20Guide&url=https%3A%2F%2Fmedpli.com%2Fnorth-carolina-doctors-buying-guide-to-medical-malpractice-insurance%2F)[**](https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fmedpli.com%2Fnorth-carolina-doctors-buying-guide-to-medical-malpractice-insurance%2F&title=2025%20North%20Carolina%20Medical%20Malpractice%20Insurance%20Buying%20Guide&summary=Top%205%20Malpractice%20Insurance%20Carriers%20in%20North%20Carolina%20%0D%0AWe%20recommend%20carriers%20with%20an%20AM%20Best%20%E2%80%9CA%E2%80%9D%20or%20higher%20rating.%20An%20A-rating%20indicates%20financial%20strength%2C%20long-term%20solvency%2C%20and%20an%20established%20history%20of%20protecting%20North%20Carolina%20physicians.%20%0D%0AMedPro%20Group%20The%20Doctor%E2%80%99s%20Company%20%0D%0ACuri%20%28Medical%20Mutual%20Insurance%20Co.%20of%20North)[**](mailto:?subject=2025%20North%20Carolina%20Medical%20Malpractice%20Insurance%20Buying%20Guide&body=https%3A%2F%2Fmedpli.com%2Fnorth-carolina-doctors-buying-guide-to-medical-malpractice-insurance%2F)*[Max Schloemann](https://medpli.com/author/max-schloemann/) [](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax) ## About the Author Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior. Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance. Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. [Contact Max](https://medpli.com/contact-us/) for malpractice insurance questions. [](https://www.linkedin.com/company/medpli-professional-liability-insurance)[](https://www.facebook.com/Medpli/)[](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[](https://www.instagram.com/medpli/)[](https://twitter.com/MedpliMax) ## Latest from the Medical Malpractice Insurance Blog - Carrier Spotlight [ ](https://medpli.com/the-doctors-company-acquires-proassurance/) ## [The Doctors Company Completes Acquisition of ProAssurance: What It Means for Policyholders](https://medpli.com/the-doctors-company-acquires-proassurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 31st, 2026|The Doctors Company completed its acquisition of ProAssurance. See what it means for current policyholders and the malpractice insurance market going forward. [Read More***](https://medpli.com/the-doctors-company-acquires-proassurance/) - Florida [ * ](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/) ## [Florida OB/GYN Guide to Medical Malpractice Insurance](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 27th, 2026| Malpractice Payouts for Florida OBGYNs Are High Florida OB/GYN [...] [Read More***](https://medpli.com/florida-obgyn-guide-to-medical-malpractice-insurance/) - Latest [ * ](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/) ## [Florida Neurosurgeons Guide to Medical Malpractice Insurance](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 26th, 2026| Florida Is a Destination for World-Class Neurosurgery [...] [Read More***](https://medpli.com/florida-neurosurgeons-guide-to-medical-malpractice-insurance/) - Malpractice Insurance [ * ](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/) ## [Buying Malpractice Insurance 101: A Guide for Physicians](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/) [Max Schloemann](https://medpli.com/author/max-schloemann/)|August 24th, 2026| In this article, medical malpractice insurance expert Max Schloemann [...] [Read More***](https://medpli.com/buying-malpractice-insurance-101-a-guide-for-physicians/) [Previous](https://medpli.com/illinois-surgeons-2025-buying-guide-to-medical-malpractice-insurance/)[Next](https://medpli.com/new-mexico-doctors-buying-guide-to-medical-malpractice-insurance/) *The information on this page is provided for general informational purposes only and is **not intended to constitute insurance or legal advice**.  MEDPLI is not a law firm and does not provide legal advice.* * **MEDPLI Insurance Services**, LLC is an independent insurance broker dedicated to helping doctors find the coverage that best fits their professional needs. * MEDPLI © 2026 All Rights Reserved. [Privacy Policy](https://medpli.com/privacy-policy/) [LinkedIn](https://www.linkedin.com/company/medpli-professional-liability-insurance)[Facebook](https://www.facebook.com/Medpli/)[YouTube](https://www.youtube.com/channel/UCZFybXffkwKDkkEVZpGBe8Q)[Instagram](https://www.instagram.com/medpli/)[X](https://twitter.com/MedpliMax) [Page load link](#) Tail coverage term lengths range from 1 year to unlimited. Standard terms are for 2, 3, and 5 years. **Expert tip:** Choose tail coverage that extends beyond your state’s malpractice claim statute of limitations. Most physicians prefer unlimited-term policies for lasting protection, even if shorter options cost less. ** × Without tail insurance coverage, a physician can be financially liable for future claims from patient care that occured during the lapsed claims-made policy period. This liability can range from thousands to millions of dollars, based on the severity of the claim. Expert Tip:** Use our **[Medical Malpractice Payouts By State Tool](https://medpli.com/medical-malpractice-payouts-by-state/)** to get a sense of what the medical malpractice payout landscape is like in different states. ** × Tail insurance should be secured by the last day of the active claims-made policy. Often, the incumbent carrier offers a 30-day window after the policy lapses for a doctor to exercise the option to buy their tail policy. We recommend that you pursue standalone quotes before accepting an incumbent offer. Starting that process when you decide to change employers will provide more opportunities to compare quotes and secure the best rate. Expert Tip:** If you’re planning to leave your employer or have already done so, reach out to a medical malpractice insurance broker right away. Timing is critical for securing proper coverage. ** × Each medical specialty has its own insurance risk profile, which may require specialized tail insurance. A policy must reflect the exact circumstances of a physician’s practice and cover all services provided. × Tail coverage protects doctors against any future claims that have yet to be reported. × What does tail insurance typically cover?**** Tail insurance covers any financial liability associated with a medical malpractice claim. This includes: - Legal fees - Expert witnesses - Settlements - Any damages awarded to the plaintiff × When is tail coverage necessary?** Tail coverage is necessary is specific situations, primarily for professionals and organizations that use **[claims-made insurance policies](https://medpli.com/occurrence-vs-claims-made-malpractice-insurance-whats-the-difference/#:~:text=claim%20is%20submitted.-,2.%20Do%20Occurrence%20and%20Claims%2DMade%20Policies%20Offer%20Different%20Benefits%3F,-As%20you%20decide)**. There are four common instances when it’s needed: - When You’re Leaving a Claims-Made Policy - When Switching Insurers or Jobs - When Retiring or Closing a Practice - When Contractually Required × Tail insurance protects you from claims made after your claims-made policy ends. It covers incidents that occurred while you were insured but are reported later, after your policy’s cancellation date. Without tail coverage, you’d be personally responsible for any lawsuits or legal costs that arise afterward, which can cost hundreds of thousands of dollars. **Expert Tip:** When changing jobs, review your insurance program with an **[experienced broker](https://medpli.com/contact-us/)** who knows how to navigate the fine print and ensure you’re protected. × Get a Quote Name *FirstLastSpecialty *Select your SpecialtyAesthetic MedicineAllergyAnesthesiologyCardiology-InvasiveCardiology-Non InvasiveConciergeDermatologyDirect Primary Care (DPC)Emergency MedicineEndocrinologyFamily PracticeFunctional MedicineGastroenterologyGynecology - No SurgeryHematologyHormone Replacement TherapyIndependent Medical Evaluations (IME)Infectious DiseaseInternal MedicineKetamine Infusion TherapyMedical DirectorMidwiferyNeonatologyNephrologyNeurologyOB/GYNOccupational MedicineOncologyOphthalmologyPain ManagementPathologyPediatricsPhysical Medicine/RehabilitationPodiatry - No SurgeryPodiatry - SurgeryPsychiatryPulmonary DiseaseRadiologyRadiology - InterventionalRheumatologySurgery: BariatricSurgery: Cardiovascular ThoracicSurgery: General (Including Trauma)Surgery: HandSurgery: NeurosurgerySurgery: OncologySurgery: Orthopedic without SpineSurgery: Orthopedic with SpineSurgery: PlasticSurgery: Colon & RectalSurgery: GynecologySurgery: Otorhinolaryngology with elective plasticSurgery: Otorhinolaryngology-no elective plasticSurgery: UrologySurgery: VascularSurgery: ThoracicWeight Loss MedicineOtherDegree *Select your DegreeMDDOCNMDPMDDSCRNANPPAPTOtherNextPhone *Email *State *Select a StateAlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNational Provider Identifier (NPI)(optional)(Optional) Upload supporting documents (current policy package, CV, NPDB report, and any prior claims information) Drag & Drop Files, Choose Files to Upload You can upload up to 5 files. 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