The North Carolina medical malpractice insurance marketplace has familiarities to that of other states across the United States. Competition in the state amongst carriers has increased dramatically over the past 5-10 years which in turn has furthered rate reductions across the board. Like other states across the country, malpractice rates soared from in the years of 1995-2003 with certain specialties seeing medical malpractice rate increases of up to 137%. Since 2003 rates have stabilized and even fell below where they were before the “hard market”. Claims frequency like other states has steadily decreased while the average claim payment has decreased. The most common limits of liability for physicians practicing in the state of North Carolina include a per claim limit of $1,000,000 and an aggregate limit of $3,000,000 but insurers offer multiple different limit options given the particular risk. North Carolina ranks #29 out of 51 for the average indemnity payment of $268,531.

North Carolina Tort Reform

In 2007 the state enacted the North Carolina Voluntary Arbitration of Negligent Health Care Claims Act, which placed a damage cap on non-economic injuries at $1,000,000 if both parties agree to enter into a binding arbitration agreement. Although North Carolina enacted tort reform the state continues to be one of the highest in claims frequency, ranking 4th of 51. In 2011 the governor of North Carolina vetoed a tort reform bill that would have place a non-economic damage cap at $500,000.

North Carolina Medical Malpractice Insurance Rates By Specialty (Top 15)

Rates depend greatly on specialty. Physicians offering high-risk care, such as surgeons, have higher rates than doctors in lower-risk areas. Prices will vary, though, based on your claim history and location in addition to your specialty. Always talk to an insurance expert to get a more specific quote for your malpractice insurance.

Below are undiscounted state filed rate data averages across all territories for $1m / $3m limits

SpecialtyAverage RateMin RateMax RateCount
Family Practice No Surgery$8,462$3,690$12,1333414
Internal Medicine No Surgery$9,293$4,820$12,3092986
Occupational Medicine$6,023$3,357$7,7222017
Pediatrics No Surgery$9,089$6,077$12,1331645
Emergency Medicine$22,437$15,855$29,4191402
Obstetrics and Gynecology Major Surgery$53,110$41,672$80,2741070
Radiology - Diagnostic$12,163$7,664$16,1701012
General Surgery$29,856$15,855$45,517804
Orthopedic Surgery No Spine$26,565$15,855$37,295697
Cardiovascular Disease Minor Surgery$14,266$7,622$23,868644
Ophthalmology No Surgery$6,055$3,593$9,706505
Gastroenterology No Surgery$11,358$8,985$16,170472
Neurology No Surgery$13,129$8,985$17,136387
* Please note that the above rates are state filed rates. It is not uncommon for Gallagher Healthcare clients to receive up to 50% or more in discounts from state filed rates. Please Request a Quote to receive a custom premium indication.

Rate Range by Specialty

This chart compares the range of possible state filed medical malpractice premium rates by admitted markets and a few Gallagher Select markets broken out by the top 15 specialties in North Carolina.

North Carolina Medical Malpractice Rate Range Chart

USA Ranking Map

The map below provides a visual display of the nation and compares what a typical primary care physician might pay compared to each individual state and county. This research is based on the average rate for a single specialty, the most common limits in that state, and the mature claims made premium. The darker the blue, the higher the average premium, see how North Carolina compares to other states.

Malpractice Rate Heat Map - United States