Why do nutritionists need insurance?
Even the best nutritionist can make a mistake on a busy day, or have a patient who suffers an adverse reaction to a recommended food or supplement. Business insurance gives you peace of mind and covers the cost of patient lawsuits, workplace injuries, storm damage, and data breaches. State laws, landlords, and clients may require coverage.
Find affordable coverage
Nutritionists can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of business insurance do nutritionists need?
These insurance policies cover the most common risks faced by nutritionists.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a patient who trips and suffers an injury during an obesity consultation. 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 nutrition professional.
- Personal injury lawsuits
- Business property damage and theft
- Business interruption insurance
Workers’ compensation insurance
Most states require workers' comp for nutrition 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 kidney disease or another medical condition.
- Misdiagnosis of an eating disorder
- Failure to refer to a primary care physician
- State licensure requirements
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a nutritionist'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 nutritionists 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 nutritionists?
A registered dietitian nutritionist (RDN) who works independently will pay less for insurance than a larger practice.
Average nutritionists insurance costs include:
- General liability: $29 per month
- Medical malpractice: $42 per month
- Workers' comp: $33 per month
Factors that affect premiums include:
- Wellness services offered, such as preventive care, medical nutrition therapy, or nutrition counseling services
- In-person or telehealth appointments
- Business property and equipment
- Business income
- Business location
- Types of insurance purchased
- Policy limits and deductibles
How do I get nutritionist insurance?
It's easy to get business insurance for nutritionists or registered dietitians if you have your company information on hand. Our application will ask for basic facts about your private practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) 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 nutritionist insurance coverage, whether you work independently or hire employees.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.