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Insurance for Nutritionist

Instant Nutritionist insurance that combines professional indemnity, public liability and products liability

Starts from $280 per year

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What is covered under the Nutritionists insurance policy?

Nutritionist insurance covers nutritionists, weight loss consultants and weight reduction service providers, nutrition graduates or students and is designed to include professional indemnity cover and public and products liability insurance.
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This insurance is suitable for nutritionists who are self employed, working at home, with a clinic or company or owners of their business.
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The policy can cover nutritionists that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your nutritionist practice against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your nutritionist business in the course of providing nutrition related services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your nutritionist business in Australia for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your nutritionist services.

Defamation

Protects you and your nutritionist business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of the nutritionists insurance policy

Contract Review

This entitles you to four contract reviews each year you have your nutritionist insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

You are a nutrition coach and prepare a food and nutrition plan tailored for your client. However, it does not produce the intended health benefits and instead leads to serious health complications for their Type 1 Diabetes - leading to serious hypoglycaemic episodes that result in a coma.

Trips, Slips and Falls

A client visiting your clinic trips over a carelessly placed mat, hurting their neck.

Negligence

You’re a nutrition specialist and prescribed a set of nutritional supplements without enquiring about the client’s existing medical conditions leading to a severe reaction and rashes.

Error of Judgement

After following your nutrition program for a few months, a food type activates a client’s undiagnosed allergy.

Bad Professional Advice

On the basis of a few nutritional courses, you offered advice that was not your area of expertise leading to health complications for some clients.

Third Party Damage

While on a visit to your client's home, you accidentally leave some supplements for your client behind in their garage. These are eaten by their dog leading to an expensive pet bill, and some ongoing antibiotics and the client wants to recover these costs from you.

exclusions

What is not covered (exclusions) under the nutritionist insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Personal Trainers
Pilates Instructors
Sports Trainers
Dieticians
Yoga Instructors
Other 20+ fitness Professions
See More
how upcover works

How upcover works

To get your instant policy quote, all you need to enter is your occupation as a nutritionist and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get nutritionist insurance to win that client or to conduct some classes at your new personal training gig, having a certificate of insurance at your fingertips certainly helps!
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With upcover, you can get your certificate of insurance instantly. Even better, you can share it with

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, nutritionist insurance is the perfect solution for nutritionists, weight loss consultants, weight reduction service providers.
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FAQs

You asked, we answer

Why is insurance important for nutritionists?

As a nutritionist, you are busy offering advice to your clients on nutrition, health and wellness and exercise. We know that the job of a nutritionist is complicated as  you help all types of clients from different backgrounds, stages of life, or health history lead healthier lives.

But where there is advice, there is also scope for error. The wrong advice or an unsuitable plan may lead to health complications. Your client could end up losing more than they wanted or not lose enough! If your client holds you responsible for a mishap, it could put everything you have worked for at risk.

‍Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you and your nutritionist business against any advice you give to your clients - whether about a nutrition plan, supplements, diet changes, lifestyle changes etc.

What can a nutritionist be sued for?

While we hope it doesn't happen, nutritionists can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of income when the client is off work
3. Loss of a client's earning capacity when the client is off work
4. Additional compensation if the damage to the client is permanent/long-lasting
5. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored nutritionist insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under nutritionist insurance?

1. Nutritionist
2. Nutritionist and personal trainer
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078