North Carolina Medical Malpractice Insurance

The Basics

  • The top five malpractice providers account for approximately 84% of the market
  • Number of medical professional liability insurers in the state in 2013: 97
  • Total number of active physicians as of September 2014: 24,476

Coverage for all medical specialties in North Carolina.

Start now by requesting your no-obligation medical malpractice insurance quote. Lower premiums and access to “A++” rated companies are only a few clicks away.

Tort Reform

In 2011 North Carolina enacted tort reform legislation which became effective on October 1, 2011. This bill limited non-economic damages to $500,000 and, beginning in 2014, this amount will be adjusted upward for inflation each year. The cap will not apply in cases where the injured patient suffered disfiguring or permanent injury and the defendants conduct was considered reckless, grossly negligent, intentional or malicious.

Like most states, North Carolina does not limit economic damages, those that cover actual losses. However, there is a requirement that there be two trials if the amount of damages claimed is greater than $150,000, unless the judge finds reason to combine them. Both trials are heard by the same judge but one focuses on liability while the other focuses on the amount of damages.

North Carolina also incorporated a severability clause into their damage limit which allows that if the damage cap is ever held to be unconstitutional by the court, the remainder of the act will not be affected.

Finally, North Carolina mandates a pre-trial mediated settlement conference for all civil cases.

61547c32dbefa899_640_north-carolina

Statue of Limitations

In North Carolina the basic statute of limitations is three years from the date of the alleged injury, or the date of the last treatment for the issue that gave rise to the alleged injury. If the injury was not immediately discovered the claimant has up to an additional year to bring a claim, but no claim can be brought more than four years after the date of the alleged injury.

An exception to the above is that in cases where a foreign object was left in the body, a claim must be brought within one year from the date of discovery but can be brought up to 10 years from the date of the injury.

In cases where the injured party is a minor under the age of 10 years old, a claim can be brought on the child’s behalf any time prior to their 10th birthday. And as in most states, the statute may be tolled, or paused, during a period where a claimant is mentally incompetent to bring a claim.

Finally, wrongful death actions must be brought within 2 years of the death of the patient.

Summary of the North Carolina Medical Malpractice Insurance Market

Since 2003 malpractice insurance rates in North Carolina have stabilized and are now considered fairly moderate. In the last 5-10 years, this state has seen an increase in competition between insurance carriers, which in turn, has furthered rate reductions. In addition, the proactive approach to increasing damage caps with inflation may help insulate the provision from the legal challenges we’ve seen in so many other states. Overall, North Carolina’s risk environment and medical malpractice insurance market appear to be stable for the foreseeable future.

Start Saving Now!

Fill out the form below to request your free, no-obligation quotes or call us toll-free at
(855) 857−8746 today.


  • We promise, your information is kept safe as we will never sell your information to any third parties.

  • This field is for validation purposes and should be left unchanged.

We promise, your information is kept safe as we will never sell your information to any third parties.

We are unfortunately unable to provide insurance for individual NPs, PAs, MAs, Technicians, Therapists and students.

Privacy Policy by TRUSTe

Why Choose eQuoteMD™ to Obtain Lower Premiums for Medical Malpractice Insurance in ?

  • Mutiple Rate Quotes

    Compare quotes between multiple companies in to find the lowest medical malpractice insurance rate.

  • Tail Coverage Policies

    Searching for tail coverage without the expensive cost? "Stand Alone" tail policies available at affordable rates.

  • Average Savings over 20%

    Physicians all over have saved money on their medical malpractice insurance premiums.

  • Every Specialty & Facility

    eQuoteMD™ can find new lower rates for every type of healthcare provider within the state of .

  • Quality Coverage Guaranteed

    No physician is turned away, regardless of their malpractice claims history. Obtain affordable coverage. Guaranteed.

  • Discounts Available

    Access dozens of discounts that can be offered and consistently secure the lowest rates available for physicians.

  • Personalized Service

    Our specialists are friendly, courteous and experienced. Receive the best advice and specifically tailored coverage for your practice's unique needs.

  • New to Practice

    No problem. First year physicians can obtain coverage and receive up to a 75% discount on their premiums.

  • Occurence or Claims-Made

    physicians may choose between occurrence or claims-made coverage malpractice polices.

  • Top Rated Companies

    eQuoteMD™ has established the largest network of A.M. Best's “A+” rated state licensed medical professional liability insurance companies to choose from.