Professional Liability Insurance for Dietitians
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What is professional liability insurance for dietitians?
As a registered dietitian, it’s critical to protect yourself from the threat of a malpractice suit. Whether your client is young or elderly, there could be factors beyond your control that may negatively impact their health, despite your recommendations.
EasyCover offers convenient professional liability insurance that will not only protect you and your business, it will protect the clients who are in your care. In the event of a claim, professional liability insurance can pay the costs to defend you, as well as court awarded damages for covered claims. You can count on us to provide you with several options for coverage and make sure you are prepared for different challenges in your industry.
Interested in purchasing your professional liability online in minutes?
Acera Insurance offers EasyCover where you can get a quote, bind your policy and pay online in only a few short minutes. Get comprehensive coverage and affordable rates quickly and easily.
Here are some of the benefits of EasyCover:
- Get free online quotes 24/7
- No long, confusing applications to fill out
- Purchase and manage your policy online
- Support by phone, email or chat
- Option to bundle with other coverages
What does dietitian professional liability insurance cover?
You may already have some third-party coverage if a commercial general liability Insurance policy (CGL) is in place, especially if you’re working for a larger company. However, CGL policies don’t cover damages resulting from professional services or advice and they may even restrict your protections. For instance, you may not be protected for work you undertake privately, or outside of your work for a hospital or clinic.
Thankfully, our affordable professional liability insurance can protect you if you’re taken to court by a client who believes their health has been impacted by your services. We highly recommend dietitians purchase this insurance.
How much professional liability coverage do dietitians need?
Our professional liability coverage can protect you from lawsuits related to the dietary and nutrition services you’ve provided. In the event of a costly claim, it’s there to cover your legal expenses as well as any settlements or judgments (up to your policy limits).
With EasyCover by Acera Insurance, you can select from these three coverage levels:
- $1 million
- $2 million
- $5 million
These levels represent the highest claim payouts within a 12-month policy period. Depending on the types of clients you work with and the financial impact of a potential lawsuit, Dieticians will require varying levels of coverage.
If there is a covered claim, you would be responsible for paying a deductible for each claim. Deductible amounts are determined by your annual revenue and are typically $250 to $1,500. If your deductible amount is $500 and you have two covered claims in one year, you’d pay $1,000 in deductible fees. Your policy would cover the remaining legal expenses, up to your policy limits.
E&O Insurance for Dietitians
EasyCover insures various dietitian roles, such as:
- Clinical Dietitians
- Pediatric Dietitians
- Geriatric Dietitians
- Community Dietitians
- Public Health Nutritionists
- Foodservice Managers
- Menu Planners
- Sports Nutritionists
- Research Dietitians
- Private Practice Dietitians
If you don’t see your profession listed here, connect with us and we’ll see what we can do.
Different scenarios dietitians may be faced with:
Caring for someone in a retirement community carries inherent risks, as the mortality rate of patients are higher. In addition, there may be environmental and social factors contributing to poor health that are out of your control.
A patient experiencing unintended weight loss. Good documentation and evaluation of doctor’s instructions combined with all lifestyle factors are necessary to mitigate risk.
Administrative errors like not getting informed consent for treatment.
A client who was in your care seeks damages after believing advice you provided contributed negatively to their health.
Top factors influencing professional liability insurance rates for dietitians
For dietitians, professional liability insurance rates can vary based on a variety of factors, such as:
- Your practice setting
- Your scope of services
- Your number of clients and annual revenue
- Your claims & insurance history
- Your certifications and specializations
- Your experience level
- Your coverage limits, options & deductibles
- The province(s) you operate in
Using the EasyCover online quote tool, you can get a quick online quote to see what your professional liability insurance costs will be.
How much does E&O insurance for dietitians cost?
Insurance costs are influenced by your unique circumstances. An entry-level dietitian with less than a year of experience, who makes under $50,000, can expect to pay $495 for their professional liability insurance. On the other hand, for someone with a few more years of experience and higher potential earnings, a dietitian E&O policy could cost closer to $660 per year.
Use our quick quote tool to generate your own online E&O estimate. If you are comfortable with the price, continue to the next step to complete your purchase online. It’s that easy.
Risk management for dietitians
Although professional liability insurance for dietitians is essential for protecting your career, proactive risk management is your strongest safeguard against costly legal disputes. By adopting preventative strategies, you can reduce risk, protect your professional reputation, and stay focused on providing safe, effective nutrition advice and support with confidence and peace of mind. Here are some practical tips to help lower your exposure and stress:
Detailed Documentation
Ensure you’re maintaining thorough client records, including assessments, forms, notes and communications. You’ll also want to document any advice and recommendations you’ve provided.
Professional Standards
By regularly staying up to date on industry regulations and best practices, you can reduce your risk and ensure you’re providing advice that’s current and in line with today’s standards.
Clear Communication
Communicate in a clear and straightforward manner with clients about their health concerns and make sure they have the opportunity to ask questions about your recommendations.
Why dietitians depend on Acera Insurance and EasyCover for their E&O coverage
Dietitians throughout Canada trust EasyCover by Acera Insurance for our affordable and reliable professional liability coverage. You can get a free online quote and buy your insurance in less than five minutes. It’s that easy – just like the EasyCover name implies. If you have any questions about your insurance or require support after a claim, we’re happy to help.
We also offer additional liability coverage options for dietitians.
Commercial General Liability
As a foundational insurance for most businesses, CGL helps cover expenses if a third party is injured or has their property damaged as a result of negligence (ie. someone slipping at your office). Employee injuries and property damage however, are not covered by CGL.
Cyber Liability
Cyber liability is a critical coverage we recommend for Dietitians in every practice setting. It offers valuable protection following a cyber-attack or data breach. This can include covering your recovery costs like legal expenses and regulatory fines up to your policy limit.
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