North Carolina
Medical Malpractice Insurance

After years of training as a physician to make the right decisions for your patients, you might think that selecting your Medical Malpractice Insurance in North Carolina should be fairly easy in comparison. Fortunately, MyMedicalMalpracticeInsurance.com has specialists in North Carolina ready to facilitate the process for you. We have access to the top medical malpractice insurance companies in North Carolina, and when we make them compete for your business, you’ll receive quotations for better terms and lower rates as a result. We’ve shared our expert advice with thousands of physicians and medical groups and we’re available to do the same for you. Let our experts help you find the right coverage to satisfy all your medical malpractice insurance needs.

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Why North Carolina Physicians choose My Medical Malpractice Insurance:

  • We’ll provide you with multiple Medical Malpractice Insurance quotes from the leading Medical Malpractice Insurers in North Carolina.

  • Your quotations will include all the available physician discounts: Risk Management, Claims-free, New to Practice.

  • Your quotations will include Prior Acts Coverage, so you won’t need to purchase separate tail coverage.

  • We’ll have our veteran liability specialists tailor your policy to fit your needs.

  • We’ll give you access to our free Practice Tools: Online Patient Satisfaction Survey System, on-staff Certified Professional Healthcare Risk Manager (CPHRM) and several other tools to make managing your practice easier and more efficient..

  • As a result of teaming up with the Medical Liability Monitor -- the nation's leading independent source of Medical Liability Insurance news as well as the political, legal and risk management issues that affect the healthcare industry –we’ve been able to publish historical rate data for every city in the First in Flight State. The value of this information will be obvious to you when you’re making your decision on your medical malpractice insurance coverage and carrier. This is just one of several reasons that MyMedicalMalpracticeInsurance.com so quickly became the preferred online stop for North Carolina physicians and medical groups looking to find better terms and lower rates.

  • Request your free, no obligation North Carolina Medical Malpractice Insurance quote today.

North Carolina Medical Malpractice Insurance


North Carolina medical malpractice insurance rates are considered moderate when compared with the rest of the country. And, if the state’s newly elected lawmakers have their say, North Carolina’s medical liability insurance climate looks to get even more stable in the near future.

North Carolina has long been a pioneer in methods of alternative dispute resolution. These methods are more beneficial in many ways than regular court procedures. They generally offer a simpler means of settling disputes, and include mediation, arbitration, a summary jury trial and early neutral evaluation. There are several advantages common to each form of alternative dispute resolution, and North Carolina first began exploring the benefits in medical professional liability lawsuits in 1991, establishing a series of pilot programs that required the mediation of civil actions.

While the alternative dispute resolution system devised in 1991 was not binding, if an agreement was reached in mediation/arbitration, the mediator/arbitrator would prepare a summary document that summarizes the terms agreed upon. The parties and their counsel would then use the summary document as a guide to drafting such agreement to give legal effect to the terms of the summary document. This system of alternative dispute resolution was effective in reducing the length of conflict and overall cost of court proceeding.

Sixteen years later, the alternative dispute resolution had become widely accepted by both sides of the medical malpractice legal system, and both physicians and lawyers agreed on a new wrinkle to the arrangement.

In 2007, the North Carolina General Assembly passed the Voluntary Arbitration of Health Care Claims Act, which placed a $1 million cap on total damages in medical professional liability claims where both parties agree to resolve their dispute via binding arbitration. The law outlined a range of different legal mechanisms created to resolve medical malpractice claims more quickly and less expensively than a traditional court case.

The Voluntary Arbitration of Health Care Claims Act offered the first cap on damages for medical malpractice in North Carolina. It also created specific procedures and timelines for selecting arbitrators and conducting discovery. Because it created a well-defined system of alternative dispute resolution for medical liability cases, it offered a greater sense of predictability in such cases. As such, medical professional liability insurance providers were able to offer greater stability in its premiums. Riding the wave of Republican victories in the 2010 midterm elections, the conservative-controlled General Assembly has promised to again address medical malpractice insurance issues. North Carolina State Senator Stan Bingham has introduced a bill that would ratchet down the cap on damages to $250,000; other legislators are working on bills that would switch contributory negligence to comparative negligence and end the doctrine of joint and several liability. With changes to the North Carolina tort system looming over the horizon, it is more important than ever to employ a medical malpractice insurance broker when shopping for coverage. A true professional broker will be up to date on all the changes to the state’s laws and be able to help navigate the system so that you receive the best coverage and the most inexpensive medical malpractice insurance premium.

To ensure you are paying the least amount of money for your Medical Malpractice Insurance in North Carolina, request your free quote today.

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NORTH CAROLINA
Physician Medical Malpractice Insurance Rates


2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010



2000
Request a Free Medical Malpractice Insurance Quote in North Carolina

MAG Mutual
(1999 data shown; 2000 data not supplied)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$4,399
0%		 $14,215
0%		 $21,205
0%


Medical Mutual Insurance Co. of North Carolina
(Data supplied by the North Carolina Insurance Department)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$6,728
+ 5.5%		 $30,093
+ 6.0%		 $52,427
0%


Professionals Advocate
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$3,600
0%		 $15,660
0%		 $29,592
0%


2001 Up
Request a Free Medical Malpractice Insurance Quote in North Carolina

Medical Mutual Insurance Co. of North Carolina
(Data supplied by the North Carolina Insurance Department in years 2000 and 2001)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$7,334
0%		 $32,801
0%		 $57,145
0%


St. Paul F & M
(St. Paul has said it will raise rates by 10%-15% and higher in some areas and states)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$7,115
N/A		 $28,711
N/A		 $33,542
N/A


Professionals Advocate (Med. Mut. of Maryland)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$3,600
0%		 $15,660
0% 		$29,592
0%


2002 Up
Request a Free Medical Malpractice Insurance Quote in North Carolina

The Doctors' Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,564
+ 37.2%		 $31,687
+ 37.2% 		$38,024
+ 37.2%


Medical Mutual Insurance Co. of North Carolina
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,361
+ 14.0%		 $37,393
+ 14.0% 		$65,717
+ 15.0%


Professionals Advocate
(Medical Mutual Liability Insurance Society of Maryland)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$5,378
+ 50.0%		 $22,394
+ 50.0% 		$44,207
+ 50.0%


2003 Up
Request a Free Medical Malpractice Insurance Quote in North Carolina

The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,411
+ 10.0%		 $38,421
+ 21.0% 		$41,785
+ 10.0%


Medical Mutual Insurance Co. of North Carolina
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,364
+ 12.0%		 $43,002
+ 15.0% 		$73,602
+ 12.0%


2004 Up
Request a Free Medical Malpractice Insurance Quote in North Carolina

The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,411
0% 		$38,421
0% 		$41,785
0%


Medical Mutual Insurance Co. of North Carolina
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,394
+ 11.0%		 $49,452
+ 15.0% 		$80,963
+ 10.0%


GE Medical Protective
(Territory 3 rates only - these rates do not include the following counties: Alamance, Beaufort, Bertie, Bladen, Brunswick, Camden, Caswell, Chatham, Chowan, Columbus, Craven, Cumberland, Currituck, Dare, Duplin, Durham, Edgecombe, Franklin, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hoke, Hyde, Jones, Lee, Lenoir, Martin, Moore, Nash, New Hanover, Northampton, Onslow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Robeson, Sampson, Scotland, Tyrrell, Vance, Warren, Washington, Wilson, Johnston, Washington, Wayne.)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$12,593
N/A 		$53,100
N/A 		$53,100
N/A


Medical Assurance Co. (ProAssurance)
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Alamance, Beaufort, Bertie, Bladen, Brunswick, Camden, Carteret, Caswell, Chatham, Chowan, Columbus, Craven, Cumberland, Currituck, Dare, Duplin, Durham, Edgecombe, Franklin, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hoke, Hyde, Jones, Lee, Lenoir, Martin, Moore, Nash, New Hanover, Northampton, Onsiow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Robeson, Sampson, Scotland, Tyrrell, Vance, Warren, Washington, Wilson $19,146
0%		 $65,147
0%		 $111,149
0%
Johnson, Wake, Wayne $14,070
0% 		$47,381
0%		 $80,693
0%
Alexander, Alleghany, Anson, Ashe, Avery, Buncombe, Burke, Cabarrus, Caldwell, Catawba, Cherokee, CIay, Cleveland, Davidson, Davie, Forsyth, Gaston, Graham, Guilford, Hay'wood, Henderson, IredeII, Jackson, Lincoln, Macon, Madison, McDowell, Mecklenburg, Mitchell, Montgomery, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Swain, Transylvania, Union, Watauga, Wilkes, Yadkin, Yancey $11,320
0% 		$37,758
0%		 $64,196
0%


2005 Up
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The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,882
+ 5.0%		 $40,589
+ 5.6% 		$45,480
+ 8.8%


Medical Mutual Insurance Co. of North Carolina
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,914
+ 5.0%		 $52,419
+ 6.0% 		$84,364
+ 4.2%


Medical Protective
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Catawba, Buncombe, Forsyth, Mecklenberg, Guilford $12,883
0%		 $54,324
0%		 $54,324
0%
Wake $16,234
0% 		$68,449
0%		 $68,449
0%
Chatham, Nash, Craven, Carteret, Brunswick, Pender, Columbus, Bladen, Cumberland, Duplin, Jones, Sampson, Edgecombe, Durham, Alamance, Pitt $22,418
+ 78.0% 		$94,526
+ 78.0%		 $94,526
+ 78.0%


Medical Assurance Co. (ProAssurance)
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Alamance, Beaufort, Bertie, Bladen, Brunswick, Camden, Carteret, Caswell, Chatham, Chowan, Columbus, Craven, Cumberland, Currituck, Dare, Duplin, Durham, Edgecombe, Franklin, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hoke, Hyde, Jones, Lee, Lenoir, Martin, Moore, Nash, New Hanover, Northampton, Onsiow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Robeson, Sampson, Scotland, Tyrrell, Vance, Warren, Washington, Wilson $19,146
0%		 $65,147
0%		 $111,149
0%
Johnson, Wake, Wayne $14,070
0% 		$47,381
0%		 $80,693
0%
Alexander, Alleghany, Anson, Ashe, Avery, Buncombe, Burke, Cabarrus, Caldwell, Catawba, Cherokee, CIay, Cleveland, Davidson, Davie, Forsyth, Gaston, Graham, Guilford, Hay'wood, Henderson, IredeII, Jackson, Lincoln, Macon, Madison, McDowell, Mecklenburg, Mitchell, Montgomery, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Swain, Transylvania, Union, Watauga, Wilkes, Yadkin, Yancey  $11,320
0% 		$37,758
0%		 $64,196
0%


2006 Up
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The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,337
+ 4.6%		 $41,845
+ 3.1% 		$46,888
+ 3.1%


Medical Protective
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Catawba, Buncombe, Forsyth, Mecklenberg, Guilford $12,309
- 4.5%		 $51,068
- 6.0%		 $67,721
+ 24.7%
Wake $14,155
- 12.8% 		$58,726
- 14.2%		 $77,876
+ 13.8%
Chatham, Nash, Craven, Carteret, Brunswick, Pender, Columbus, Bladen, Cumberland, Duplin, Jones, Sampson, Edgecombe, Durham, Alamance, Pitt $17,230
- 23.1% 		$71,493
- 24.4%		 $94,804
+ 0.3%


Medical Assurance Co. (ProAssurance)
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Alamance, Beaufort, Bertie, Bladen, Brunswick, Camden, Carteret, Caswell, Chatham, Chowan, Columbus, Craven, Cumberland, Currituck, Dare, Duplin, Durham, Edgecombe, Franklin, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hoke, Hyde, Jones, Lee, Lenoir, Martin, Moore, Nash, New Hanover, Northampton, Onsiow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Robeson, Sampson, Scotland, Tyrrell, Vance, Warren, Washington, Wilson $19,146
0%		 $65,147
0%		 $111,149
0%
Johnson, Wake, Wayne $14,070
0% 		$47,381
0%		 $80,693
0%
Alexander, Alleghany, Anson, Ashe, Avery, Buncombe, Burke, Cabarrus, Caldwell, Catawba, Cherokee, CIay, Cleveland, Davidson, Davie, Forsyth, Gaston, Graham, Guilford, Hay'wood, Henderson, IredeII, Jackson, Lincoln, Macon, Madison, McDowell, Mecklenburg, Mitchell, Montgomery, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Swain, Transylvania, Union, Watauga, Wilkes, Yadkin, Yancey  $11,320
0% 		$37,758
0%		 $64,196
0%


MAG Mutual
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9.826
+ 0.0%		 $31,950
+ 0.0% 		$48,579
+ 0.0%


2007 Up
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The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,964
- 13.3%		 $35,740
- 14.6% 		$41,672
- 11.1%


Medical Protective
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Catawba, Buncombe, Forsyth, Mecklenberg, Guilford $12,712
+ 3.3%		 $52,734
+ 3.3%		 $69,942
+ 3.3%
Wake $14,619
+ 3.3% 		$60,657
+ 3.3%		 $80,436
+ 3.3%
Chatham, Nash, Craven, Carteret, Brunswick, Pender, Columbus, Bladen, Cumberland, Duplin, Jones, Sampson, Edgecombe, Durham, Alamance, Pitt $17,798
+ 3.3% 		$73,843
+ 3.3%		 $97,924
+ 3.3%


Medical Assurance Co. (ProAssurance)
COUNTY INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
Alamance, Beaufort, Bertie, Bladen, Brunswick, Camden, Carteret, Caswell, Chatham, Chowan, Columbus, Craven, Cumberland, Currituck, Dare, Duplin, Durham, Edgecombe, Franklin, Gates, Granville, Greene, Halifax, Harnett, Hertford, Hoke, Hyde, Jones, Lee, Lenoir, Martin, Moore, Nash, New Hanover, Northampton, Onsiow, Orange, Pamlico, Pasquotank, Pender, Perquimans, Person, Pitt, Robeson, Sampson, Scotland, Tyrrell, Vance, Warren, Washington, Wilson $19,146
0%		 $65,147
0%		 $111,149
0%
Johnson, Wake, Wayne $14,070
0% 		$47,381
0%		 $80,693
0%
Alexander, Alleghany, Anson, Ashe, Avery, Buncombe, Burke, Cabarrus, Caldwell, Catawba, Cherokee, CIay, Cleveland, Davidson, Davie, Forsyth, Gaston, Graham, Guilford, Hay'wood, Henderson, IredeII, Jackson, Lincoln, Macon, Madison, McDowell, Mecklenburg, Mitchell, Montgomery, Polk, Randolph, Richmond, Rockingham, Rowan, Rutherford, Stanly, Stokes, Surry, Swain, Transylvania, Union, Watauga, Wilkes, Yadkin, Yancey  $11,320
0% 		$37,758
0%		 $64,196
0%


2008 Up
Request a Free Medical Malpractice Insurance Quote in North Carolina

The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,964
0%		 $35,740
0% 		$41,672
0%


Medical Assurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,995
N/A		 $33,087
N/A 		$46,942
N/A


Medical Mutual Insurance Co. of North Carolina
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,970
0%		 $52,747
0% 		$82,083
0%


2009 Up
Request a Free Medical Malpractice Insurance Quote in North Carolina

The Doctors Company
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$8,964
0%		 $35,740
0%		 $41,672
0%


Medical Assurance Co. (ProAssurance)
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$9,995
0%		 $33,087
0%		 $46,942
0%


Medical Mutual Insurance Co. of North Carolina
INTERNAL MEDICINE
(% change since last survey)		 GENERAL SURGERY
(% change since last survey)		 OB/GYN
(% change since last survey)
$10,970
0%		 $52,747
0%		 $82,083
0%


2010 coming soon.
To find the most current medical malpractice insurance rates in North Carolina, contact Mike Matray at the Medical Liability Monitor. MyMedicalMalpracticeInsurance.com has negotiated an excellent rate for all of our users, mention our site, and you can receive the Medical Liability Monitor at a low promotional price.