Dietitian Liability Insurance
Balanced Coverage So You Can Work Confidently
*Diet & Nutrition coverage from Insurance Canopy is intended for health and wellness professionals or freelance dietitians who work independently and who may offer clients general health and diet guidelines, meal planning ideas/assistance, or the recommendation of supplements. This coverage is not designed for registered dietitians working for hospitals, assisted living facilities, nursing homes, home health care providers, health clinics, schools, or professional sports teams.
⁺Those offering nutritional advice and services must have the required certifications to do so in their area.
What Is Dietitian Insurance?
Dietitian insurance — also called diet & nutrition insurance — is liability coverage tailored to fit the needs of fitness professionals and wellness coaches who provide nutritional guidance to their clients.
Coverage is designed to protect you against common claims, like a client tripping and breaking a wrist at your office, or a client alleging your professional advice caused them harm.
If you sell dietary supplements to clients or online, you will need a separate product liability insurance designed specifically for the vitamins and supplements industry.
Who Is Diet and Nutrition Insurance For?
Coverage is intended for exercise and health coaches. It can also cover Registered Dietitians (RDs) working in a freelance setting on their own or with a gym.
However, it is not meant for dietitians or nutritionists employed by medical facilities, professional sports teams, schools, nursing homes, or similar organizations.
How Much Does Dietitian Insurance Cost?
At Insurance Canopy, the cost of dietitian insurance coverage starts at $241 a year, or $21.83 a month. For as little as 66 cents a day, you can protect your business with General Liability and Professional Liability Insurance.
The peace of mind you get from knowing you’re covered from costly claims arising from accidents, malpractice, or property damage is well worth the investment.
To safeguard your dietitian business further, you can add optional coverages like Gear and Equipment Coverage, Cyber Liability Coverage, or Additional Insureds. Insurance Canopy enables you to create the perfect dietitian insurance policy to suit your business needs.
With our fair pricing and customizable coverage, you pay for what you want — and nothing more!
What Liability Insurance Coverage Do Dietitians Need?
Dietitians and health coaches should carry both general and professional liability to protect against risks when working independently. Both are included in our diet and nutrition insurance policy.
General liability covers things like damage to rented property or third-party slip-and-fall injury claims — accidents that happen due to your business operations.
Professional liability (aka “errors and omissions”) covers things like a client claiming they were harmed by your advice or that you failed to deliver your professional services — claims arising due to what you’ve done (or haven’t done) in the scope of a client service.
Other Coverages to Consider
- Gear and equipment (aka inland marine) can cover the cost of repair or replacement if your transportable business gear, tech, supplies, inventory (etc.) is stolen or damaged
- Cyber liability protects your business financially if your website is hacked, your customer data is stolen, or some other type of cyberattack occurs
- Adding Additional Insureds to your policy extends coverage to qualified third parties, and is often required to rent office space or work out of a facility — you can do this any time from your online dashboard
Get the coverage you need so you can have peace of mind while helping your clients achieve their health and nutrition goals.
Please Note: Diet and nutrition coverage is currently an endorsement, or add-on, to the base fitness instructor policy for additional services you might offer clients, like giving them diet guidelines, meal planning advice, or recommending general supplements.
Why Choose Insurance Canopy’s Liability Insurance for Dietitians
At Insurance Canopy, our liability insurance offers precisely the coverage you need to work with confidence. Our policy combines general and professional liability insurance for dietitians with occurrence form coverage and the option of additional coverages — think of it as the ultimate wellness plan for your dietitian business.
- Affordable, customizable coverage that goes where you go
- Flexible payment options that fit your business needs
- Customer support that’s ready to help every step of the way
- Top-rated carrier for peace of mind when claims arise
- 24/7 access to your policy via an online dashboard
- Option to add unlimited additional insureds
- Exclusive benefits to help you grow your dietitian business — at no extra costt!
Note: Our dietitian insurance policy is an add-on to our fitness instructor policy that provides coverage to dietitians and nutritionists offering diet guidelines, meal plans, or the recommendation of supplements. It is offered as a policy package starting at $241/year.
Lifetime Claims Coverage
Our dietitian liability insurance uses occurrence form coverage to give you lifetime protection for accidents occurring during your policy period.*
Affordable Policies
Each client’s path to a balanced diet looks different. We take the same flexible approach by letting you choose a payment plan, with policies starting at $241/year or $21.83/month.
Customized for Dietitians
Our coverage is designed to cover you for bodily injury, property damage, and malpractice claims. Focus on your clients — we’ve got you covered!
Coverage Details
General & Professional Liability Limits
$3,000,000
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$1.33–$5.55/month
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25/month
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Questions About Dietitian Insurance
Do I Need Dietitian Liability Insurance?
Yes! Carrying dietitian liability insurance is an important component of your business. It’s designed to protect your financial assets if you were to be sued due to your business operations.
For example, you could be held liable for claims that include giving advice that causes harm, recommending products that make a client sick, damaging any rented property you may do business in, and even having a client slip and fall in your office.
By carrying insurance, you also demonstrate that you care about both your clients’ well-being and your business’ safety.
What Are Some Common Risks Dietitians Face?
- Negligence claims: If a client becomes ill after following a meal plan you created for them, they may decide to sue you, claiming your advice was negligent. Dietitian malpractice insurance*, aka “errors and omissions” or professional liability insurance, could help cover the cost of this claim.
- Slip-and-fall incidents: Imagine a client slipping on water in your office and breaking an ankle—accidents happen! General liability insurance can help cover the cost of your client’s medical expenses and more if they decide to pursue legal action.
- Property damage claims: Say you’re testing a recipe that requires a food processor in your office kitchen. The wiring overheats and causes a small fire that damages the property you rent. Damage to premises rented (included in our base dietician insurance policy) may help with all the repair costs for this.
- Stolen gear claims: You may be traveling between your office and a client’s home and happen to have your work laptop, scales, and other gear stolen from your car. If you’ve purchased the optional Gear and Equipment Coverage, you could be covered for this loss.
What Does Dietitian Insurance Cover?
Our dietitian insurance combines general and professional liability (also known as dietitian malpractice insurance) coverage to help defend you against risks like:
- Client injury
- Third-party property damage
- Damage to the space you rent
- Personal and advertising injury (e.g., false advertising, slander, or libel)
- Medical expenses arising from accidents or your professional advice
- Stolen gear or equipment (optional add-on)
- Cyber attacks on virtual payment processing or telehealth data (optional add-on)
How Do I File a Claim Related to My Dietitian Services?
- Log in to your online account
- Navigate to the “Manage policies” section
- Click on “File a claim”
- Add your information and supporting documentation and submit your claim
After submitting a claim, a claims adjuster will usually contact you in about 24–48 hours to provide you with your claim number, answer any questions you may have, and request additional information if needed.
With occurrence form coverage, you can file a claim anytime for accidents that occur during your policy period (even after your policy has ended). Make sure you still have your policy information, documentation of the accident, and the date it happened.*
*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Get Your Dietitian Insurance Policy Today
Dietitian insurance from Insurance Canopy offers you top-rated professional and general liability coverage to give you peace of mind and help you focus on your clients.
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