Nutritional Therapist Insurance

We do offer loss of income and business interruption insurance as well as various other business insurances but not as part of this package. If you require these covers we can provide them via our business insurance department. One of our advisers will be able to advise you further.

We can provide cover for you to work from home within your policy. However, if anything was to get damaged within the home then this will come under a home insurance policy, so you will need to let you home insurers now. Alternatively, we offer comprehensive home business insurance that may be more suitable; speak to one of our advisers to find out more.

Yes, we do not specify how much experience you have or where you studied.

As every profession is open to different risks and claims are unforeseeable events, it’s not possible for us to safely recommend any level of cover. Our best advice, therefore, is to select the highest amount of cover you can reasonably afford. We can, however, offer full flexibility on your policy meaning that if you need to raise or lower the level of cover at any time we can accommodate this easily.

We do not need to see a copy of these. We will insure you on the utmost faith that you have experience and qualifications in the area you would like to be insured for. If a claim were made against you, we would then ask to see evidence of your qualification.

If you would prefer to spread the cost of your insurance policy, you have the option of setting up a Direct Debit to pay your premium in monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Depending on what you are studying and if you are practising you may want to protect yourself against claims. As everyone’s situation is different and claims are unforeseeable we can’t advise either way but would suggest that even though liability and indemnity insurances are not legal requirements you should not leave yourself vulnerable if you think you could open to a civil liability claim. Some member organisations will recommend a specific level of cover, so you may wish to check this if you are a member of a professional body.

Nutritional therapist insurance is a specialised policy designed to protect professionals in the nutritional therapy field from potential risks and liabilities associated with their practice.

You need insurance as a nutritionist to protect your business from financial and reputational damage caused by potential legal claims related to your professional advice and services. Key coverages professional indemnity, to defend against claims of negligence or harm from your advice; public liability, to cover legal defence costs for allegations of accidental injuries to third parties or damage to their property; and product liability, to protect allegations of accidental injury to third parties, or damage to their property arising from products sold or supplied.

Insurance helps you focus on client care, knowing your business is shielded from costly lawsuits and setbacks. If you are found to be at fault then the policies pay claims up to the policy limit selected by you.

Professional indemnity insurance for nutritional therapists

Professional indemnity cover protects against claims of professional negligence for errors or omissions, ensuring that nutritional therapists are covered if a client alleges that their advice caused harm.

Public liability insurance for nutritional therapists

Public liability insurance covers incidents where a third party suffers accidental injury or property damage as a result of your nutritional therapist's practice activities, whether in a clinic, home office, or other settings.

For example, if a client slips in your office and sues you for negligence, public liability insurance will cover you for legal defence costs and pay compensation if you are at fault, up to your limit of cover.

Product liability insurance for nutritional therapists

Product liability insurance provides coverage for claims arising from products sold or supplied by the therapist, such as supplements or health products, in cases where a client experiences adverse effects causing accidental injury.

As more and more nutritional therapists incorporate product sales into their practice, it is increasingly important to consider this cover.

Cyber liability insurance for nutritional therapists

With many therapists now offering sessions online and storing client notes digitally, cyber cover protects you from data breaches, hacking, or accidental information leaks.

Employers’ liability insurance for nutritional therapists

If you employ staff, even on a part-time or voluntary basis, employers’ liability insurance cover is a legal requirement. It protects against claims if an employee is accidentally injured or becomes ill because of their work activities.

Towergate has extensive experience in providing insurance for health and wellness professionals, with a deep understanding of the industry's specialist needs.

Nutritional therapist insurance offered by Towergate provides a 24-hour legal helpline, offering immediate specialist nutritional therapist legal helpline whenever you may need it.

These policies also includes online expert legal and business guides, templates, and content. This covers important information around employment, health and safety, trading and contracts, cyber and data, debt and insolvency, and business law resources.