FOR CHIROPRACTORS EXPLORING THEIR OPTIONS
Understand your protection.
Then decide.
Understand the coverage, the patient conversation and the dispute process—before deciding whether the approach fits your practice.
No form to start. No commitment to switch.
Look beyond the premium.
01 / THE APPROACH
What makes NCC Elite different?
Elite combines malpractice insurance with a practice commitment to arbitration agreements and informed consent. Explore how those pieces work together.
THE QUESTION BEHIND THE QUESTION
“How do I explain this to my patients?”
If arbitration feels unfamiliar, start here. You need a clear explanation, time for questions and a consistent office process—not a sales pitch to get a signature.
AN ILLUSTRATIVE OPENING
Two documents.
Two separate conversations.
“First, let’s discuss the proposed care, its benefits, risks and alternatives, and your questions. Separately, this agreement addresses how certain future disputes would be resolved. If the agreement is valid and applies to your claim, it would be resolved through binding arbitration rather than a court or jury trial. You can still bring a claim and seek compensation. Arbitration decisions generally have limited court review. Please take time to read the agreement and ask questions before deciding whether to sign.”
Educational draft, not NCC-approved wording or a substitute for required disclosures. Ask NCC’s legal/risk team for the current agreement and explanation appropriate to your state.
Hear the patient’s concern.
Open a question to see an illustrative response.
“Does this mean I can’t make a claim?”
“You can still bring a claim and seek compensation. When this agreement applies, your claim is resolved through binding arbitration rather than a court or jury trial. Let’s review which claims it covers and what signing means for you.”
“Why is this separate from consent?”
“Consent concerns your care. Arbitration concerns resolving a covered dispute. Let’s give each document its own explanation and questions.”
“What if I’m uncomfortable signing?”
“Let’s pause and address your questions.” Before using the program, ask NCC how refusal, withdrawal and care arrangements should be handled under your state’s rules. Avoid pressure or improvised promises.
NCC lists an arbitration presentation packet in its resource center. Ask the team to walk through it with you and explain the current form, patient questions and office responsibilities.
Ask for a patient-conversation walkthrough →Build understanding into the visit.
Ask NCC for current documents and a state-appropriate workflow. Give patients time to review them.
Review informed consent, invite questions and document the discussion. A signature is not the entire conversation.
Use the approved arbitration explanation. Address questions before signing and retain the correct agreement.
Resources: NCC presentation packet · Consent discussion · Implementation and state requirements
PREPARE FOR THE POSSIBILITY
You hope you’ll never face a claim.
Understand the process anyway.
Choosing protection means considering what a dispute could require from your practice, even if you expect never to use it.
A QUESTION WORTH ASKING BEFORE A CLAIM
If a patient alleges that your care caused harm, would you prefer a court or jury trial—or a binding arbitration process?
With a valid, enforceable agreement covering the dispute, arbitration provides a way to resolve the claim without a court or jury trial on its merits. The patient can still bring a claim and seek compensation. A neutral arbitrator considers the evidence and makes the decision.
An agreement cannot guarantee that every dispute avoids court. Courts may address enforceability, enforcement or limited review. Ask NCC how the current agreement applies in your state.
See how to explain this to a patient ↑HYPOTHETICAL / NOT AN ACTUAL CLAIM
One allegation. Two possible paths.
A patient reports new arm symptoms after care and alleges the treatment caused an injury. The doctor disputes that allegation. Liability has not been determined.
Illustrative overview: the forum depends on the agreement, law and circumstances. Either path may settle. Arbitration can involve lawyers, experts, fees and substantial preparation; timing, cost and outcome are not guaranteed. The AAA overview describes arbitration generally, not NCC’s specific administrator or rules. Arbitration process source · General civil-court process. State procedures vary.
Make the unfamiliar concrete.
Before you decide, ask the NCC team to demonstrate the patient explanation and walk you through how a claim would be handled under your proposed coverage.
Talk through the process →02 / THE DETAILS
A useful comparison starts with better questions.
Your current policy may already offer valuable protection. Compare the actual terms, services and responsibilities alongside the price.
| Look at | Your current coverage | NCC / Elite: what to explore |
|---|---|---|
| Dispute resolution | Check how your policy and patient agreements address disputes. | Elite emphasizes arbitration. Ask how approved agreements work in your state. |
| Patient paperwork | Review the forms and procedures you use today. | Elite participation includes patient arbitration and informed-consent forms. |
| Price and eligibility | Compare annual total, payment charges and renewal terms. | NCC advertises a 30% Elite discount from Preferred rates. Ask for your eligible rate; this is not a discount from your current insurer’s price. |
| License protection | Check whether board defense is included and its limit. | NCC describes $30,000 in licensing board defense. Confirm the quoted policy’s terms and exclusions. |
| Coverage and responsibilities | Review policy type, limits, covered services and reporting deadlines. | Ask for the proposed policy and participation documents before deciding. |
Program details: Elite & Preferred · Licensing board defense. Eligibility, availability and policy terms must be confirmed for your practice.
03 / MAKE IT RELEVANT
What would you like to understand first?
Choose the questions on your mind. We’ll build a conversation guide you can use with the team. Your choices stay on this page and aren’t submitted.
BEFORE YOU DECIDE
It’s reasonable to have questions.
Understanding the details is part of making a confident choice.
Does exploring this guide commit me to anything?
No. This page does not start an application, authorize payment or bind coverage. Calling or emailing the team is a request for a conversation.
Does a lower premium mean the policies are identical?
A price comparison alone cannot establish that. Ask the team to compare the actual limits, exclusions, covered services, policy type and responsibilities in writing.
Does arbitration prevent every claim?
No. NCC describes arbitration as an alternative forum for resolving claims. Ask the team to explain the agreement, implementation and application to your practice.
Do I need to restart the online quote?
If you already requested a quote, tell the team so they can locate it. You can begin by asking questions rather than repeating the application.
Can I discuss something other than Elite?
Yes. Ask the team about available options if Elite’s participation requirements do not fit your practice. The goal is to understand the coverage that suits your needs.
04 / WHEN YOU’RE READY
A conversation.
A clearer decision.
Start by asking the team to demonstrate the patient conversation. Then review the coverage and practice responsibilities before deciding whether to apply.
- See the patient explanation. Ask for the arbitration presentation packet and a walkthrough.
- Review the details. Discuss terms, costs and participation requirements.
- Choose your next step. Decide whether to proceed after you understand the fit.
CONNECT WITH THE NCC TEAM
Let’s talk it through.
Call 800-622-6869 ↗Open my email draft ↗The email button opens your email app with your questions. Review it before sending. Nothing is sent automatically.
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Already received a follow-up email? Reply there to continue with your assigned representative.
This educational guide is not a quote or a policy. Coverage is subject to underwriting and the issued policy’s terms, exclusions and conditions. Review the current policy and program documents with the team before making a decision.