As you begin or expand your dietetic career, having liability insurance coverage is necessary, and something that’s important to get right. There are many factors to consider when selecting an insurance provider, including amount of coverage, scope of services provided, type of coverage (e.g., in person or virtual care or both), and more – the list goes on!
We’ve done some homework to get you started – here’s a list of insurance providers that cover dietitians both in general and professional liability. The rates differ from state to state, but all of these providers offer insurance for every state in which you’re certified, including in multiple states where applicable. Check out the companies below – and you can get a free online quote from their respective websites.
A quick disclaimer: Healthie is in no way affiliated with any of these insurance providers, nor do we receive compensation from these companies. This list was created solely as an informational resource.
Proliability is a large liability insurance company powered by Mercer which focuses on providing the most comprehensive coverage available while still offering competitive prices. Proliability has received enormously positive reviews from dietitians, and offers members of the Academy discount prices as well.
Hiscox is a liability insurance company created to protect small businesses. Hiscox prides itself on tailoring their coverage to the risks in individual fields, meaning that dietitians will have coverage for dietitian specific issues as opposed to claims faced by healthcare professionals in general. Hiscox has partnered with BOLT insurance Agency to provide coverage around the country. A.M. Best, a rating company specializing in insurance, gives Hiscox an A.
CM&F Group is an insurance company which provides liability coverage underwritten by Medical Protective, the oldest institution protecting medical professionals from malpractice lawsuits. The company provides superior service and is rated A++ by A.M. Best for their coverage.
Insureon includes in their website specific details about dietetics to demonstrate just how tailor made their coverage is within specific fields, like diet and nutrition. Insureon offers a variety of liability insurance options to create specific coverage plans for their users. The Insureon provider received an A rating from A.M. Best.
Lockton Affinity is a subsidiary of a larger insurance brokerage company, Lockton, that “makes buying insurance easy.” Lockton Affinity takes pride in its simple process for purchasing their liability coverage as well as their affordable pricing. Lockton Affinity has also received an endorsement from the Nutrition & Health Medical Education Association (NHMEA). The provider also offers discounts to members of the ACHP, ADNO, AIP, and NHMEA. A.M. Best gives Lockton Affinity an A+.
Healthcare Provider Service Organization (HPSO) is the largest provider of malpractice insurance in the country and is endorsed by more than 60 national and state associations, as they proudly profess. HPSO succinctly outlines all of their coverage and limits on their website and provides a user friendly experience in buying and maintaining their insurance. A.M. Best gives them an A rating for their service and coverage.
When choosing your liability insurance provider, think about the scope of practice, and types of services you hope to provide. For example, if you’re thinking about virtual care, be sure to check whether your insurance provider covers virtual appointments! From our research, while Hiscox and Lockton make exclusions that prohibit this coverage, Proliability, HPSO, Insureon and CM&F Group all cover telehealth. Telehealth is within the scope of coverage for dietitians, so only insurance companies which make specific exclusions don’t cover it. Luckily, more and more insurance companies are starting to cover virtual care, and understand its importance and effectiveness.