Liability
- Damage to third parties
- Employers' liability
- Care, custody and control as an extension
Liability for dietitians
For a dietitian a mistake in advice can result in physical harm, and that is precisely what makes the standard form of professional indemnity insurance inadequate.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Most professional indemnity policies cover pure financial loss: a financial disadvantage without anything being damaged or anyone being injured. With dietary advice it works differently. Incorrect protein advice for someone with reduced kidney function, an elimination diet for a child, or a plan that ignores an interaction with medication can lead to injury. Injury arising from advice is not automatically covered by a policy that only mentions financial loss. This is the point at which your cover has to be checked before you take anything out.
There is also a second line. If you support clients in your practice room, with weighing equipment, skinfold measurement or bio-impedance, that is physical activity: tripping, a badly adjusted chair, faulty equipment. That is Article 6:162 of the Dutch Civil Codeterritory and belongs with public and employers' liability insurance. Anyone working with trainees or an assistant also takes on liability for subordinates under Article 6:170 of the Dutch Civil Code.
As a care provider you fall under the Wkkgz (the Dutch act on quality and complaints in care) and must have a complaints procedure and be affiliated to a disputes body. A decision by that body can include compensation. So notify a complaint to your insurer as soon as it arrives — Article 7:941 of the Dutch Civil Code requires timely notification, even if you consider the complaint unfounded.
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What does liability cover for dietitians?
The structure of the cover in three parts, with an overview per situation below.
Assets and continuity
Business contents, goods and lost turnover during downtime.
- Business contents at replacement value as new
- Goods at cost price
- Business interruption or additional costs
Staff
Sickness absence, accidents and the traffic risk.
- Continued pay for 104 weeks
- Group personal accident
- WEGAS for traffic risks
What is covered
| Situation | AVB | BAV | Cyber |
|---|---|---|---|
| Injury to a visitor or customer | Yes | No | No |
| Damage to a client's property | Sometimes | No | No |
| Financial loss caused by an advisory or calculation error | No | Yes | No |
| Downtime after a ransomware attack | No | No | Yes |
| Data breach involving personal data | No | Sometimes | Yes |
| Damage to property in your care | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Client groups. Work with children, older people, oncology or kidney patients weighs more heavily than general lifestyle support.
- Annual turnover. The usual rating basis. It helps determine the premium for each section.
- Sale of supplements or test kits. Adds product liability to the risk profile.
- Practice room and equipment. Receiving clients and using measuring equipment brings a risk of injury on site.
- Sum insured per claim and per year. Injury claims run higher than financial claims. The limit has to be set accordingly.
- Retroactive and run-off cover. Advice given in the past can lead to a claim later. The periods chosen determine the loading.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your activities, turnover and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Financial loss or injury: check which your policy covers
Ask expressly whether injury arising from advice is insured. For a bookkeeper a mistake in advice is always financial. For a dietitian the same mistake can lead to a hospital admission. A policy limited to pure financial loss then leaves you alone with the most serious claim. This distinction is rarely on the insurance card (verzekeringskaart) and has to come from the conditions. Have it confirmed in writing before the policy starts.
The boundary with the treating doctor is your most important file
For clients with diabetes, kidney failure, coeliac disease or an eating disorder, your advice runs alongside medical territory. Work with a referral or a report back to the treating clinician and note when you spotted that something outside your field of expertise was involved. Continuing to advise after seeing such a sign is the scenario in which an insurer looks at your conduct and a client looks at your responsibility.
Selling supplements changes your risk
If you supply supplements, meal replacements or test kits yourself, you place a product on the market. Where damage results from a defect, Article 6:185 of the Dutch Civil Codeapplies: product liability without any need to show fault. If you import from outside the EEA, you count as the producer yourself. This activity belongs separately on the policy schedule. If it is not there, the loss is not covered because it falls outside the activities declared.
What falls outside the cover
Not insured are: an undertaking as to results about weight loss or a guaranteed outcome, the cost of redoing your own support programme, fines and disciplinary measures, advice outside your field of expertise, and claims arising from a data breach involving client data. That is cyber territory. Intent also remains excluded under Article 7:952 of the Dutch Civil Code. So avoid guarantees in your quotations and on your website.
Frequently asked questions
This is what people ask us most.
Is injury caused by my dietary advice covered under professional indemnity insurance?
Only if the policy expressly mentions injury arising from advice. Many professional indemnity policies are limited to pure financial loss and expressly exclude injury, because it does not arise in most advisory professions. With dietary advice it does. Have this point confirmed in writing before you take out the policy. In this profession it is the single most important question about cover.
What if a client does not stick to the plan?
Contributory fault on the client's part reduces liability, but you have to be able to show it. Record for each consultation what you advised, what warnings you gave and which agreements the client did not keep. Without records it is your word against the client's and the insurer is forced to settle a claim you could have rebutted on the merits.
Am I subject to disciplinary law and does the policy cover it?
Dietitians are not subject to statutory disciplinary law as the most heavily regulated BIG professions are, but as a care provider you do fall under the Wkkgz with a compulsory complaints procedure and disputes body. A measure imposed is never insurable. The compensation resulting from disputes proceedings can be, provided you notified the complaint to your insurer in time.
I work only online and do not hold consultations on site. Do I still need an AVB?
If you never receive clients and use no equipment, the risk of injury on site is small and professional indemnity is the main thing. As soon as you work on site, give workshops at companies or supervise trainees, property damage and injury are added. Both forms can be placed as separate sections on one insurance package.
Every situation is different. For these situations we have a separate page.
- Compare personal liability insurance (AVP)The main page
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Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.