Why do dietitians need insurance?
As a registered dietitian (RD), you help patients manage and prevent nutrition-related diseases and deficiencies. Running a private practice, however, exposes you to huge risks. Insurance protects your business against escalating legal costs from injuries and common accidents. Some policies, such as workers' comp, are required by law.
Find the right coverage
Insureon helps dietitians find insurance quotes that match their unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of business insurance do dietitians need?
These insurance policies cover the most common risks faced by dietitians.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a patient who trips and suffers an injury in a dietitian's office. It's often required for commercial leases.
- Bodily injuries
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective commercial insurance policy for a dietitian.
- Personal injury lawsuits
- Business property damage and theft
- Business interruption insurance
Workers’ compensation insurance
Most states require workers' comp for dietitian practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Professional liability / medical malpractice
Professional liability insurance covers legal defense costs related to errors and oversights, such as dietary advice that worsens a medical condition. It’s sometimes called malpractice insurance.
- Claims that advice caused harm
- Failure to refer to a primary care physician
- Mistakes or oversights
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a dietitian’s business vehicle. Each state has its own requirements for auto liability insurance coverage.
- Damage caused by your vehicle
- Medical bills from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps dietitians survive data breaches and cyberattacks by paying for a response and recovery. It can be added to a BOP or general liability policy for savings.
- Customer notification expenses
- Data breach lawsuits
- Fraud monitoring costs
How much does business insurance cost for dietitians?
A small wellness center will pay less for insurance than a larger business.
Factors that affect premiums include:
- Business specialty, such as nutrition counseling services or telehealth
- Business property and equipment
- Where your business is located
- Business income
- Types of insurance purchased
- Per-occurrence and aggregate policy limits
How do I get dietitian insurance?
It's easy to get dietitian or nutritionist business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for dietitians and other health professionals, whether you work independently or hire employees.
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