Dietitian Liability Insurance

In addition to being protected by Career Shield’s top-notch insurance, you also have access to some incredible member benefits:

• Telehealth $10 Co-pay – Consult with a physician 24/7/365 via telephone, video, or mobile app without needing health insurance — with only a $10 copay
• MetLife Dental plus Vision – Get access to affordable group rates for dental and add-on vision plans. Get an instant quote and coverage that starts the very next month.
• 75% Off Office Depot – Get 75% off Office Depot and OfficeMax preferred products. Get basic office supplies and furniture to stock up your office or workspace.
• 30% Off Lenovo – Save 30% off the everyday public web price of Lenovo’s entire line of PC products. Plus, receive free ground shipping on all web orders.

As soon as you sign up, you can log in to your Career Shield member portal to see all benefits.

You can rest assured that when an incident does occur, you have complete coverage. While all parties hope that you never need to file a claim, if such a need arises, here are the three steps you will want to take:

1. Assess the Situation. Although we cannot give any legal advice, it is recommended to be cautious with any open lines of communication directly with the injured party, as you could open up the assumption of risk.
2. Contact Us. Call our customer service team at 866-945-1699 between 8am and 6pm ET Monday-Friday. One of our licensed agents will provide you with a claim form to fill out with details of the incident, and instructions on where to send that form.
3. Breathe Easy Knowing Our Team of Professionals Are On It. Once the claim form is received by the appropriate party, you will receive an acknowledgment letter in about 2 business days that will contain the name and contact information of a claims adjuster who will work with you for the remainder of the process.

If you have any quesitons at all about your coverage, please don’t hesitate to give us a call at (866) 945-1699 or email us at info@careershieldinsurance.com.

As a dietitian, it is very important to have both general liability insurance and professional liability insurance coverage. Make sure when you are looking for coverage policies that you opt for one that provides both of these. General liability insurance, often referred to as “slip and fall” insurance, covers you against any third-party claims for injury or property damage. If for instance, there is sweat or water on the floor of your work setting and a patient slips and injures themselves you are covered.

Professional liability insurance is a little different and sometimes referred to as “malpractice insurance”. This coverage will protect you against any third-party claims accusing you of:

• Practicing outside the scope of training or education.
• Carelessness. An example of carelessness is serving contaminated food that leads to a food-borne illness outbreak.
• Failure to keep current. Education doesn’t end when schooling does. Dietitians are expected to keep current and informed. If a nutritionist is operating on the basis of outdated information, they may recommend improper or ineffective treatment.

First Aid Coverage

• Career Shield will pay up to $10,000 in expenses incurred by any Insured for first aid rendered to a person other than a patient that causes Injury. The first aid must be provided during the policy period and reported within forty-eight (48) hours after the Injury occurs.
• Example: Render first aid to a neighbor at a picnic to tend to an open wound. In the process of tending to neighbor your first aid kit and supplies are contaminated. Insured asks to have new kit and supplies replaced.  

Good Samaritan Coverage

• Career Shield will pay up to $25,000 on behalf of any insured for a good samaritian incident. A good samaritian incident shall mean professional services rendered during a sudden and unforeseen emergency situation for which no fee or income is received. 
• Example: Athletic Trainer is attending sports event as a spectator. Athlete rolls an ankle and is injured during event. No other professionals are available so Athletic Trainer spectator tapes up ankle. Athlete returns to game and proceeds to break ankle.

Deposition Expense Coverage

• The Company will pay up to $10,000 on behalf of any insured for any reasonable fees, costs and expenses necessary to prepare you for a deposition provided that you are not a party to the lawsuit; the lawsuit is related to those professional services contemplated under this policy and for which coverage is granted. 
• Example: Two shifts within pharmacy. Day and night. Our insured is the night pharmacist. Day pharmacist is found to be stealing meds and falsifying prescription records. Our insured is interviewed and called as a witness. First time appearing within court setting and needs to be prepped for questions.  

Loss of Earnings Coverage

• The Company will pay up to $10,000 on behalf of any insured for any   reasonable expenses incurred by an insured to assist The Company in the   investigation or defense of a claim including loss of earnings of up to $500 per day due to time off from work. 
• Example: Pharma Tech is called as a witness and asked to attend drug trafficking trial. These techs tend to be hourly employees and need to supplement income if they are required to be at a trial for an extended period of time. 

Assault Coverage

• The Company will pay up to $25,000 on behalf of any insured for bodily injury to you or to your personal property resulting from an assault or battery upon you while performing your professional services.
• Example: Athletic Trainer is providing treatment to athlete at school. Fist fight breaks out between the student who is getting treatment and another party. While trying to break up the fight Athletic Trainer is punched and mouth and subsequently requires dental work.

License Protection Coverage

• The Company will pay up to $25,000 on behalf of any insured for reasonable expenses resulting from an investigation or proceeding by a state licensing board or other regulatory body provided that the investigation or proceeding arises out of events which could result in a claim under this policy. Reasonable expenses shall include legal defense and expert witness testimony.
• Example: Audiologist is alleged to have incomplete or inaccurate patient records. To respond to matter insured would have to demonstrate proper records are in fact in place and has a plan to continue to be in compliance with state requirements.