How much does insurance cost for dietitians?

Dietitians pay an average of $29 per month, or $350 annually, for general liability insurance. This policy is sometimes called public liability insurance.

General liability insurance covers common third-party risks at dietitian offices and other healthcare facilities, such as a patient who slips on a wet floor and suffers a bodily injury, or accidental damage to a patient's property.

For example, if a dietitian accidentally drops a patient's smartphone and breaks it while looking at a diet plan, general liability insurance coverage would pay for the repair costs or legal fees if the patient sues.

It also helps pay for legal expenses if someone sues your business over copyright infringement or advertising injuries, including defamation.

Some dietitians and nutritionists may need proof of general liability insurance to sign a commercial lease or secure a client contract.

Below is the average general liability policy for dietitians who buy from Insureon:

Premium: $29 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

The per-occurrence limit is the maximum your insurer will pay for a single covered incident, while the aggregate limit is the most the insurer will pay for all claims during the policy period, typically one year.

General liability insurance costs depend on factors such as the coverage limits and deductible you choose, the size of your business, your business income, the amount of foot traffic you have, and any additional insured endorsements you select.

Learn more about how your insurance premium is calculated and how to save money on your general liability coverage.

Dietitians pay an average of $42 per month, or $500 per year, for a business owner’s policy.

A BOP bundles general liability coverage with commercial property insurance to protect against common third-party risks and business property damage. It typically costs less than purchasing each policy separately.

A BOP covers accidents that injure patients or damage their property, along with damage to your own business property. Because of its increased coverage and affordability, it’s the policy most often recommended by Insureon’s agents.

This is the average business owner's policy for dietitians who buy from Insureon:

Premium: $42 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

Dietitians who have small practices and low risks are often eligible for a business owner's policy.

You can buy endorsements for your policy for broader coverage, though they come with a higher premium. For example, a dietitian business might choose to add business interruption insurance to protect against financial losses from a temporary closure, or equipment breakdown coverage to cover losses from the unexpected breakdown of a piece of medical equipment.

The cost of a business owner's policy is based on a number of factors, including the value of your property, where you are located, and the number of employees you have.

Registered dietitians pay an average medical malpractice insurance premium of $42 per month, or $500 annually. This policy is also called professional liability insurance.

Dietitians often need this coverage to comply with state laws, or to work at a specific hospital or other facility. Because this is a claims-made policy, your coverage must be kept active to collect on a medical malpractice claim.

This policy covers malpractice lawsuits resulting from an error, misdiagnosis, or failure to meet a standard of care. Even frivolous medical liability claims are covered.

For instance, suppose a patient's weight increases after following your wellness plan to lose weight. If they decide to sue your business, malpractice insurance would cover your defense costs, court-ordered judgment, or settlement, helping you to avoid financial loss.

If you work outside a clinical practice – such as a blogger, meal planner, or cooking instructor – malpractice coverage is still necessary for your dietitian business. It provides vital legal protection in case someone makes a claim that your work resulted in financial harm.

Below is the average malpractice insurance policy for dietitians who buy from Insureon:

Premium: $42 per month
Policy limits: $1 million per occurrence; $1 million aggregate
Deductible: $500

One of the biggest factors affecting the cost of malpractice insurance is the type of professional services you offer, such as telehealth. Other factors include your claims history and the policy limits you choose.

Learn more about how your premium is calculated and how to save money on your malpractice insurance premium.

The average cost of workers’ compensation insurance is $30 per month, or $362 annually, for dieticians.

This policy covers medical expenses and lost wages related to workplace injuries. It usually includes employer's liability insurance to protect against lawsuits from injured workers.

Businesses with employees typically must purchase workers' comp to comply with state requirements and avoid penalties. For example, all healthcare providers in California, Pennsylvania, and New York must carry workers' comp if they have one or more employees. Florida businesses need coverage when they have four or more employees, and coverage is optional in Texas.

Since health insurance plans can deny claims for injuries related to your job, workers' comp coverage is also recommended for independent contractors as a financial safety net and for peace of mind.

The cost of workers' comp depends on several factors, primarily the number of employees you have and their occupational risks. You can save money on workers' comp coverage by classifying your employees correctly and implementing a risk management plan to avoid work-related injuries and subsequent claims.

Medical professionals spend an average of $79 per month, or $952 per year, on cyber insurance. This policy is also called cyber liability insurance or cybersecurity insurance.

Cyber insurance helps your business recover financially after a cyberattack or data breach. It can cover data breach investigations, cyber extortion payments, and costs related to complying with your state's data breach laws.

A cyber liability insurance policy is especially crucial for dietitian clinics that store protected health insurance and other personally identifiable information (PII) belonging to their patients.

The cost of cyber insurance and the coverage you need depends on the amount of sensitive information you handle at your private practice or clinic.

Healthcare professionals pay an average of $216 per month, or $2,589 per year, for commercial auto insurance.

This type of insurance pays for legal costs if your company vehicle injures someone or damages their property in an accident. It can also cover vehicle theft, vandalism, and weather damage.

Most states require commercial auto insurance for vehicles owned by a healthcare business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.

The cost of commercial auto insurance depends on several factors, including your policy limits, the coverage options you choose, the number and value of your vehicles, and the driving records of anyone permitted to drive.