Nutritionist Insurance: Cost and Quotes From $20/mo

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Half of all Americans have a chronic disease due to poor food choices. This figure makes it clear why nutritionists have their work cut out for them. Living well isn’t all about making the right decisions, diet matters too. That said, you don’t only need the help of a life coach but also a professional who can provide advice on what you eat. 

Nutritionists create dietary routines that help people improve their bodily constitution or underlying medical condition. These professionals ensure that people consume the right food at the right time so that they don’t end up calling EMTs

With the nutritionist industry growing, finding the right nutritionist insurance is important to protect from lawsuits, equipment costs, and other unforeseen business expenses. A nutritionist covered by insurance is set up to deliver the best service to their customers without worrying about what happens if they make a mistake or don’t account for the unexpected. This article will examine common topics and questions about nutritionist insurance, including:

  • Do you need insurance as a nutritionist?

  • What is nutritionist insurance?

  • What are the common inclusions?

  • Nutritionist insurance cost

  • Best nutritionist insurance companies

Do You Need Insurance as a Nutritionist?

Yes, nutritionists need insurance to protect themselves from the costs of operating their business. Nutritionists can be sued if they make a mistake in a malpractice suit or cause bodily injury or property damage through their practice. They will also need to protect any tools, equipment, vehicles, or property that they use for business from liabilities.

What is Nutritionist Insurance?

Will insurance cover nutritionist? The answer is yes. Nutritionist insurance is an insurance package consisting of the following:

  • General liability insurance

  • Malpractice insurance

  • Tools and equipment insurance

  • Commercial property insurance

  • Business owner’s policy

  • Commercial auto insurance

  • Commercial umbrella liability insurance

There are a few types of nutritionists that play different roles in the industry. In connection, the insurance package is designed for them. 

Registered Dietician A healthcare professional that offers advice on nutrition and eating habits as a nutritionist. Dieticians covered by insurance benefit from extra security from liabilities from their advice.
Nutrition Coach Nutrition coaches are typically health mentors and leaders who use techniques to encourage clients to eat healthier. Nutrition coach insurance policies will want to emphasize liability protection derived from their health advice.
Nutrition Therapist Nutritional therapists provide counseling to and alternative treatments for their clients about their nutrient deficiencies, they do not often work in clinical settings. Insurance for nutritional therapists cover things like bad visits with clients, or health advice that doesn’t help a patient’s condition.


General Liability Insurance for Nutritionists

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance is a good insurance for nutrition coaches, dieticians, and nutritional therapists.  This covers costs related to personal injury, bodily injury, and property damage. Some situations where this insurance can help you include:

  • A  registered dietitian covered by insurance enters the home of a client and accidentally knocks over a painting, destroying it. General liability could cover a liability claim

  • A nutrition therapist makes a disparaging remark to a client during a session. In that instance, general liability would provide insurance coverage for nutrition counseling by taking care of lawyer fees, settlements, and court judgments

Add-Ons to General Liability Insurance for Nutritionists

Add-ons to general liability for nutritionists are as follows:

  • Tools and equipment coverage-Covers the tools and equipment you use for work. You can leverage this policy to cover repair and replacement costs

  • Cyber coverage-Some insurance companies include an optional cyber coverage to general liability insurance. You can use this to cover incidents of data breach, phishing, and other cyber attacks

Does General Liability Insurance Offer Full Protection?

No, a nutritionist with insurance of this type is not fully protected. You will often need to add other insurance types to get more coverage. For one, general liability doesn’t take care of malpractice claims. You can’t also use this to cover financial losses that result from commercial property damage. 


Malpractice Insurance for Nutritionists

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No No
License defense coverage included? No No No No No
Deductible  $500 $500 $500 $50/$10,000 $500


Malpractice insurance for nutritionists is important for covering the high costs of claims due to negligence or mistakes. Examples, where this insurance comes in handy, include:

  • A registered dietitian covered by insurance has a patient who just underwent surgery. The dietitian recommends a food plan that brought undesirable results

  • The nutritionist fails to properly record a patient’s condition. This created problems when the patient was referred to another specialist. The patient decided to sue but thanks to malpractice insurance for registered dietitians all of the legal costs were covered

Liability insurance for registered dietitians of this type is perhaps one of the most important policies to pick up. Dietitians give medical advice that makes them highly susceptible to lawsuits and legal claims if something goes wrong. Since they have the education and training to make the correct recommendation, mistakes by medical professionals are judged more harshly than health advice from the general population.


Add-Ons to Malpractice Insurance for Nutritionists

A standard add-on that a nutritionist might want for malpractice insurance is retroactive protection. This covers past events that had not become a lawsuit yet from before coverage was purchased. Another good add-on is regulatory defense, where your insurance provider provides legal representation to you automatically if you become the subject of a regulatory authority investigation.


What is the Difference between Professional Liability and Malpractice Insurance?

Professional liability and malpractice insurance are the same. Both are errors and omissions coverage. However, malpractice insurance is for businesses and professions in the medical field. Professional liability insurance is for businesses in other industries. 


What is the HIPAA Coverage Add-On in Malpractice Insurance?

The HIPAA coverage add-on grants protection for claims filed by patients because of transgressions related to the HIPAA Act. 

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Nutritionist preparing a healthy meal in the kitchen.


Tools and Equipment Insurance for Nutritionists

NEXT (Best) Thimble Hiscox
Aggregate limit $5,000/$10,000 $2,500/$5,000 $5,000/$25,000
Covers hired and borrowed equipment? $5,000/$10,000 $2,500/$5,000 No
Miscellaneous equipment also covered? $5,000/$10,000 No No
Offered as an endorsement to general liability insurance? Yes Yes Yes
Deductible $500 $500 $0


Tools and equipment insurance ensures that nutritionists are never without the essential tools they need for servicing their clients. This insurance covers the costs of repairing and replacing equipment if it gets broken or stolen. Some examples of where you can use this insurance include:

  • A nutritionist leaves their teaching aids unattended in their office, and they get vandalized or stolen. Tools and equipment insurance would cover this

  • A nutrition coach does a cooking demonstration with their cooking equipment for a client. If this cooking equipment becomes damaged, this insurance can help repair or replace it

Commercial Property Insurance for Nutritionists

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $35,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $35,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance for nutritionists covers their company assets from physical events like fire, floods, vandalism, and theft. Some examples of where this insurance might be useful are listed below.

  • A nutritionist has a clinical office that gets broken into. This insurance can help cover the costs of repairing broken doors, windows, and other entrances

  • A power outage causes damage to electronics that a nutritionist uses for his business. Commercial property insurance could help cover any costs associated with the incident

What is Not Covered Under Commercial Property Insurance?

Any physical damage due to negligence will not be covered. This can include things like rust, mold, or insect damage that the owner should have been maintaining themselves.


Does Commercial Property Insurance Have a Coverage Limit?

The limits of commercial property insurance begin at $15,000-$25,000. But depending on the overall value of your business property, it’s possible to get a commercial property policy offering $1 million coverage. 


Business Owner’s Policy for Nutritionists

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $35,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


Business owner’s policy for nutritionists combines commercial property insurance and general liability insurance. Some policies also throw in protection for costs when your business income gets interrupted. The trade-off is that the policy limits are typically lower, but you can protect your business property as well as any liabilities from bodily injury or property damage. Examples of times you can use this insurance include:

  • A customer slips and falls in an office the nutritionist operates

  • A nutritionist visits a customer’s home and accidentally causes damage to a fragile chair when sitting down

What Exclusions Are in a Business Owner’s Policy?

Business owner’s policy does not typically include malpractice insurance, or commercial auto insurance. It is not a catch-all insurance policy.


What Are the Three Sections Typically Included in Business Owner’s Policy?

In the business owner’s policy, you will find property protection, business interruption protection, and general liability protection.


Commercial Auto Insurance for Nutritionists

Commercial auto insurance covers the costs associated with any vehicles used for business operations. This insurance covers costs like collisions, accidents, and theft involving business vehicles. Some events where this coverage might come in handy for nutritionists include

  • While driving to a client’s house, a nutritionist gets into a collision accident with another vehicle.

  • While a nutritionist’s car is parked while helping a client pick out groceries, a fire damages their vehicle.

What is the Difference between Commercial Auto Insurance and Personal Auto Insurance?

Personal auto insurance is required by law and covers the nutritionist’s personal vehicle and its private use. However, commercial auto covers the vehicle that is used for business-related tasks.


Is Commercial Auto Insurance Legally Required?

Yes, you must have the minimum auto coverage in accordance with the requirements of the state. Driving an uninsured vehicle can be a violation of the law and is subject to heavy criminal charges. 


Commercial Umbrella Liability Insurance for Nutritionists

Commercial umbrella liability insurance for nutritionists lets the policyholder  enjoy further coverage in case a claim exceeds policy limits. Some examples of where it comes in handy are listed below:

  • The nutritionist becomes liable for a customer slip and falls that exceeds their general liability limit. General liability insurance only provides $1 million but the cost of the claim is $2 million. Umbrella insurance could cover the gap

  • A nutritionist gets sued for causing mental anguish to a client. Court costs could drag on past the point of his coverage limit. Umbrella insurance to step in to cover the rest

Is Commercial Umbrella Liability Worth It?

Yes, umbrella policies offer great value for the cost for anyone who might need it. It just might save your business tons of money.



Do I Need to Qualify for Umbrella Liability?

No. Insurance companies will allow you to easily add umbrella liability coverage to your general liability or malpractice insurance policy. But note that this isn’t free and premiums will rise accordingly. 

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Nutritionist Insurance Cost 

Cost per Month Cost per Year Deductible
General liability insurance $42 $504 $0-$500
Malpractice insurance $78 $936 $500-$1,000
Commercial property insurance $50 $600 $1,000-$2,000
Business owner’s policy $92 $1,104 $500-$1,000
Tools and equipment insurance $48 $576 $500-$1,000
Commercial auto insurance $59 $708 $500-$1,000
Umbrella liability insurance $60 $720 $500-$1,000


The average nutritionist insurance cost is $42 per month or $456 per year for a $1 million general liability coverage. Your actual rate may be the same or different based on location, claims history, business history, revenue, deductibles, and policy limits. Here’s a table showing the rates of the companies we recommend:

Cost per Month Cost per Year Best for
NEXT $20 $240 Best overall; Fastest general liability insurance for nutritionists
CoverWallet $22 $264 Comparing nutritionist insurance quotes online
The Hartford $23 $276 Expertise in risk engineering
Hiscox $30 $360 Nutritionist insurance with automatic renewal
Tivly $41 $492 Comparing nutritionist insurance quotes over the phone
Thimble $42 $504 Industry experience

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Best Nutritionist Insurance Companies 

These insurance companies have much to offer to nutritionists. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Nutritionist Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for nutritionists

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is a newcomer to the insurance game, having only been founded in 2016, but they offer some of the best insurance policy packages you can find. They offer general liability, commercial auto, commercial property, business owner’s policy, and tools & equipment policy options.

This company has a stellar A- (Excellent) AM Best rating for their financial security. They serve over 400,000 customers and write over $200 million in direct premiums. With their policy bundling, you can save 10% when purchasing multiple policies with them.

Best for: Best overall; Fastest general liability insurance for nutritionists 

Average cost: $20 per month 

Our rating: 10/10 


The Hartford Nutritionist Insurance

Pros

  • Expertise in risk engineering

  • Multinational coverage

  • Fast to handle claims

  • Get a quote online or through an agent

Cons 

  • Online quoting isn’t very intuitive

The Hartford offers general liability, commercial auto, commercial property, business owner’s policy, and umbrella policy insurance options. Their risk engineering program works to protect your business proactively. This company boasts an A+ rating from AM Best and writes $11 billion in premiums every year. Their policy options are easy to mix and match to get the coverage that is right for you. They have been protecting businesses for 200 years and have a 4.8 rating in their customer reviews.

Best for: Expertise in risk engineering

Average cost: $23 per month 

Our rating: 10/10


CoverWallet Nutritionist Insurance

Pros 

  • Compare quotes from multiple insurance companies online

  • Online policy management

  • HNOA coverage automatically included in general liability insurance

  • Name additional insureds easily

Cons

  • Not a provider

Next on the list is CoverWallet. For nutrition insurance, they offer general liability, business owner’s policy, umbrella policy, commercial auto, and malpractice insurance. Their policies act as a business safety net for all kinds of nutritionists.

The company has an A+ rating from the Better Business Bureau and serves 10,000+ customers annually. Their online marketplace makes it easy to compare quotes from several companies to find the best policy option.

Best for: Comparing nutritionist insurance quotes online 

Average cost: $22 per month 

Our rating: 10/10


Tivly Nutritionist Insurance

Pros

  • Over 200 partners

  • Flexible targeting to match customers easier

  • Compare quotes over the phone 

Cons

  • Not a provider

Tivly offers nutrition insurance policies with malpractice, umbrella, general liability, commercial property, business owner’s policy, and commercial auto options. Nutritionists can get their businesses protected from everything from catastrophic weather to bodily injury to business closure. Call a representative now to compare quotes over the phone. 

Shopping with Tivly is secure because they have a network of over 200 trusted partners that offer a wide range of options. They have 20 years of experience and maintain an A rating from the BBB.

Best for: Comparing nutritionist insurance quotes over the phone

Average cost: $41 per month 

Our rating: 10/10


Thimble Nutritionist Insurance

Pros

  • Helpful free resources for nutritionists 

  • Have experience in the field

  • Short-term coverage is available

  • Choose policy limits easily

Cons

  • Online-only customer support

Thimble is an A-rated insurer from BB that offers general liability, business equipment protection, Business owner’s policy, and commercial property policies perfect for creating a nutritionist package. You can buy a policy directly through their app, online, or over the phone.

They serve over 300 professions with agents that have expert knowledge. Most of their business is first-time buyers, over 75% of their customer base. Nutritionists are in good hands with their proven level of experience.

Best for: Industry experience

Average cost: $42 per month 

Our rating: 10/10


Hiscox Nutritionist Insurance

Pros

  • Personalized policy

  • Worldwide coverage

  • 14-day money-back guarantee

  • Policy automatically renews every year

Cons

  • You might be referred to a partner for an online quote on other business insurance policies

Hiscox is the small business choice that handles your claim personally. They adjust policies for your specific needs and have policies written with nutritionists in mind. The company focuses on general liability insurance that covers personal injury, bodily injury, and property damage costs to your business.

At Hiscox, you get a diversified insurance group that provides international coverage. They serve 500,000 customers and have an A rating from AM Best. The company also boasts an A+ financial rating from Fitch.

Best for: Nutritionist insurance with automatic renewal 

Average cost: $30 per month 

Our rating: 10/10

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