Nutritionist insurance

Whether you work in person or online, do one service or multiple, travel to your clients or work in one place, your Alternative Balance membership with insurance coverage is designed to protect your professional services.

Nutritionist Smiling

PEACE OF MIND, SO YOU CAN FOCUS ON YOUR PASSION.

With Alternative Balance, you can relax and focus on providing your service. You won't find coverage like this anywhere else! Start with our general & professional liability insurance, which includes defense costs coverage that takes the financial burden off your shoulders if someone gets hurt and makes a claim against you or sues you.

Nutrition is such a large part of our health, and not many of us know how to implement healthy options as part of our everyday lives. Holistic Nutritionists and Nutritional Coaches can fill that gap, helping people find what is best for their bodies and putting together a realistic plan that will be part of their daily lives for many years to come. Insurance is a large part of your business's health. Our specialty is knowing how to keep your business healthy with our top-of-the-line liability insurance, property coverage, participant accident insurance, and member benefit suites.

WHAT COVERAGE IS INCLUDED IN my NUTRITIONIST INSURANCE?

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

Plus, automatically get accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

We offer optional Cyber Liability, which protects your business in the event of a cyber attack or hack. Sexual Abuse Liability is also available as an optional coverage.

You also have access to business personal property & business interruption insurance through your exclusive Members-only Insurance Suite.

Our business personal property & business interruption insurance covers your business equipment and any modifications you’ve made to a rented or leased location from loss, damage, or theft. The included business interruption & extra expense coverage provides coverage when your business shuts down temporarily. This helps replace your income and covered expenses like rent, payroll and other financial responsibilities during times when your business is not able to operate.

What if??

Wondering what kind of claims could be covered by nutritionist insurance? We've got some examples to make it easy.

General Liability: Someone trips over a cord and breaks their arm while receiving instruction at your place of business.
Professional Liability: You advised they start a certain diet without asking about their allergies or medical history, and they sue you for poor advice and suffering as a result of a bad reaction to the diet.
Damage to Premises Rented: While demonstraing a new healthy meal idea for a client, a fire starts on the stove causing damage to the kitchen you're renting.

Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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Nutritionist insurance

Whether you work in person or online, do one service or multiple, travel to your clients or work in one place, your Alternative Balance membership with insurance coverage is designed to protect your professional services.

PEACE OF MIND, SO YOU CAN FOCUS ON YOUR PASSION.

WHAT COVERAGE IS INCLUDED IN my NUTRITIONIST INSURANCE?

Nutritionist Examples

What if??

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