Nutritionist insurance
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Claims paid in 24 hours
For 80% of settled claims
Insurance for nutritionists – why is it important?
From diabetes to high cholesterol or blood pressure, nutritionists help their clients with all sorts of problems. You’re providing expert advice, but running a business too, so balancing everything can be tricky. For nutritionist businesses, we usually build an insurance policy around public and product liability cover, adding protection for equipment, stock, legal costs, employees, and more, where required.
- insurance for nutritionists, UK customer service and claims team
- pay monthly or annually, whatever works for your company
- trusted by over 900,000 small UK businesses for flexible, tailored cover
What does nutrition insurance cover?
We’ll start with public liability insurance for nutritionists, covering you against accidents caused by your business – for example, if someone gets their hand caught in a door at your clinic and suffers an injury. You can also include insurance for stock, legal expenses, and your employees, plus personal accident cover for an injury which could stop you working.
Public liability insurance for nutritionists
In case your nutrition business causes an injury, illness or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your nutritionist business.
Business and office equipment insurance
In case something happens to equipment like your laptop or phone.
Legal expenses insurance
In case you have to pay legal costs connected with your therapy business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
Public liability insurance for nutritionists
In case your nutrition business causes an injury, illness or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone’s property, caused by your nutrition business
- an injury or illness caused by your business activities or products
- accidental damage or injuries caused by your employees
For example:
- you’ve just cleaned up a spillage and a client slips on your wet practice room floor, injuring her lower back
- you make a client tea and spill hot water on his arm, causing a burn
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your nutritionist business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury or illness that happens as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- a nutritionist you’ve hired catches her hand in a broken window latch in your practice room, causing a deep cut
- the student you’ve hired for the summer injures her lower back in a fall while bringing in signage from outside your premises
Business and office equipment insurance
In case something happens to equipment like your laptop or phone.
What’s typically covered by business and office equipment insurance?
- theft of the operational equipment you use to run your business, rather than tools of the trade
- accidental loss of your equipment
- flood, fire, or accidental damage
For example:
- you drop your laptop while running for a train, damaging the screen
- the phone you use for work is stolen while you’re working in a coffee shop
Read more about business and office equipment insurance
Legal expenses insurance
In case you have to pay legal costs connected with your therapy business.
What’s typically covered by legal expenses insurance?
- legal costs attributed to your therapy business
- property damage, nuisance, or trespass and associated legal costs
- HMRC, tax, and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation
For example:
- you’re accused of a breach of contract and need to pay for legal representation
- the business incurs legal expenses when a competing nutritionist raises a defamation claim against you
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
What’s typically covered by personal accident insurance?
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you injure your ankle while playing squash, and need ongoing treatment
- a nutritionist you’ve drops a heavy box on her foot and can’t drive for six weeks
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Insurance for nutritionists – how much does it cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
Example nutritionist insurance quotes, real prices
£7.74 /month
£57.38 /year
A self-employed nutritionists working with local clients
- 1-2 years' experience
- Sole trader
- No employees
- Based in Exeter
Public liability
£1,000,000
Employers’ liability
Not included
Stock
Not included
£40.00 /month
£355.57 /year
A small limited company that works with professional sportspeople and athletes
- 5+ years' experience
- Limited company
- 1 employee
- Belfast
Public liability
£5,000,000
Employers’ liability
£10,000,000
Stock
£5,000
How we work out example quotes These examples are real quotes from our online system (created 25/10/2022). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does nutritionist insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does nutritionist insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider personal trainer insurance or fitness instructor insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Chosen by 900,000 small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
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Nutritionist insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about nutritionist insurance coverage. You can also check out our business insurance FAQs.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you work with photo booths, you may also do the odd photography job for clients – you’ll need additional cover for this, but you can have it all on the one policy.
When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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