Nutritionist insurance

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Nutritionist and dietician insurance UK
Nutritionist and dietician insurance UK
Nutritionist and dietician insurance UK
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What is insurance for nutritionists and dietitians?

Insurance for nutritionists and dietitians, often referred to as professional liability insurance or malpractice insurance, is designed to protect nutritionists from financial losses and legal claims that may arise in the course of their professional practice. It usually consists of professional indemnity insurance and may sometimes include other insurance covers depending on the practitioner’s activities.

How much does nutritionist and dietitian insurance cost?

Professional indemnity insurance for nutritionists and dietitians starts at £7.67 per month, and the cost increases based on the required insurance limits, business size, and claims history.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do nutritionists and dietitians need insurance?

Nutritionists and dietitians meet clients who don't quite feel themselves and need someone else's guidance to get emotionally and physically better. This responsibility carries legal obligations and risks if things go wrong. 

Compensation demands for adverse health effects

Nutritionists and dietitians provide dietary advice and recommendations to clients. If a client claims that the advice they received led to adverse health effects, such as allergies or nutritional deficiencies, the nutritionist may face a professional liability lawsuit.

Injury claims for harm caused by a recommended product

Many nutritionists sell or recommend dietary supplements and other nutritional products to clients. If a client experiences adverse effects or harm after using a recommended product and sues the nutritionist, product liability insurance can provide protection.

Loss of sensitive client information

Nutritionists frequently store sensitive client information electronically. In the event of accidentally disclosing something sensitive about a client, they may face legal claims related to privacy violations.

Medical bill claims following an accidental slip, trip, or fall 

Nutritionists often meet with clients in their offices or other locations. If a client were to slip, trip, or fall during a consultation and sustain injuries, the nutritionist could be held responsible.

Professional indemnity insurance for nutritionists and dietitians

Most self-employed nutritionists benefit from the protection of professional indemnity insurance.

Professional indemnity is a legal cover that defends you if you face a legal claim due to your work. It provides legal advice and representation and pays compensation if due.

What does professional indemnity insurance for nutritionists and dietitians cover?

Professional indemnity protects nutritionists and dietitians from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • A client claims your professional advice caused them harm
  • You failed to give the correct direction to a client when you should have
  • You shared a client's confidential information with an unauthorised party
  • You acted in a discriminatory manner 
  • You caused offence

Choosing a nutritionist professional indemnity limit that’s right

Selecting a reasonable professional indemnity limit for your and dietitian work is not always obvious. Consider the following:

  • If you're part of a nutritionist and dietitian organisation, they usually specify the professional indemnity limit they require—some need as high as £2,000,000.
  • If you're an independent nutritionist, consider your level of qualification, experience, history of disputes with your clients, and the type of services you provide—the more complex your work, the higher the limit you might need.
  • Think about what downside there might be if your advice goes wrong. How much might it cost to rectify?
  • Some insurance providers offer as little as £50,000 of cover, which might be tempting as the price will be low. However, with the rising cost of legal services, ask yourself if this amount will go far enough to cover solicitors' fees and possible compensation.

Does professional indemnity insurance cover my nutritionist and dietitian activities worldwide?

Worldwide cover depends on the provisions in your particular counsellor insurance policy. When checking your professional indemnity insurance documentation, always look for the ‘territory or geographical limits’ and ‘jurisdiction’ sections.

The territorial or geographical limit defines where you can deliver your work - physically or virtually. 

The territorial or geographical limit could be ‘worldwide’, meaning you can work with clients anywhere. 

In contrast, the jurisdictional limit may say something like "worldwide excluding USA and Canada"; this means the policy will not protect you against claims brought against you in courts not included in or excluded by your policy. 

This doesn’t mean that you can’t work with clients in the US or Canada. It just means that your client contracts should not be governed by those jurisdictions if you wish to reduce the risk of being sued in those countries.

Switching your professional indemnity insurance

In the UK, most professional indemnity insurance is sold on a “claims made basis”; this essentially means two things:

  • You must have an active policy at the time a claim is made, and
  • The policy start date or retroactive date in your active policy must fall before the work in question was performed.

If your nutritionist and dietitian professional indemnity policy expires or is cancelled, you can no longer make a claim on it. 

Therefore, if you change providers, make sure your past work is covered under your new policy. This is called retroactive cover.

Public & products liability insurance for nutritionists and dietitians

Public & products liability insurance may also be essential by independent nutritionists and dietitians, especially if they meet their clients face to face and recommend or sell products.

Public liability takes care of instances where your client may have had an accident and is now asking for compensation. 

It can also be invaluable if the product you sold or recommended causes your client harm.

What does nutritionist and dietitian public & products liability insurance cover?

Public & products liability provides legal defence and covers a possible payout if you're found liable for property damage or causing an injury.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client suffers a bad reaction taking one of your products and ends up in medical care.
  • A client visits you at your home and is injured in a slip or fall 
  • While working with your client on a simple exercise routine, your client suffers an injury

What else should insurance for nutritionists and dietitians include?

Other covers depend on your circumstances. Do you own a laptop? Do you have employees? Do you have an office? 

Electronic business equipment insurance

Consider electronic business equipment insurance. Self-employed nutritionists and dietitians rely more and more on all things electronic. Whether this equipment is yours or hired, you can insure the cost of repair or replacement should an accident happen.

Commercial legal expenses

Commercial legal expenses insurance protects you and your business against commercial disputes, claims, criminal prosecutions, etc. It picks up issues not typically covered by professional indemnity or public liability.

Cover includes:

  • Legal matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)

For example:

  • HMRC flags you for an IR35 investigation
  • Your client accuses you of breach of contract 
  • A substantial invoice for your work is still outstanding despite chasing it

Commercial legal expenses coverage is valuable for self-employed nutritionists and dietitians, so we include it as standard with every subscription. 

Shopping for nutritionist & dietitian liability insurance

Whether or not you decide to use Suited insurance for nutritionists and dietitians to protect your business, it’s worth keeping the following in mind:

Price isn’t everything

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to get in contact with your insurance provider. At Suited, we offer several options and answer quickly.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited only uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly,  amend or cancel your policy. At Suited, we charge no other fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
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FAQs

Common questions

Is professional indemnity insurance compulsory for nutritionists and dietitians?

Nutritionists and dietitians are not required to have liability insurance by law but it is wise to have it if you’re self-employed.

Will the work of my employees or subcontractors be covered by Suited nutritionist insurance?

Yes, any work by bonafide employees and contractually engaged third parties is covered by your Suited policy.

I’m returning to being employed again, can I cancel my Suited nutritionist insurance?

Yes, you can but before you do so consider whether you should maintain your professional indemnity insurance for a period of time. Claims are not always made against you straight away and without valid PI cover, you’re not protected. With Suited you can opt to hibernate your cover, meaning you pay less while staying insured for the past as long as you require.

Is professional indemnity insurance for nutritionists the same as nutritionist malpractice insurance?

Yes, these are two different names for the same insurance cover.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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