What professional insurance for a naturopath?
Are you setting up as a naturopath and wondering about the insurance essential to your activity? Is insurance compulsory? What are the main risks in your business? When do you become responsible? We explain everything you need to know about naturopathic insurance and give you a list of the best naturopathic coverage.
Summary
What is the price of professional naturopathic insurance?
How does naturopathic professional civil liability insurance work?
What are the guarantees for naturopathic professional civil insurance?
Naturopath, what other insurance to think about?
What is the price of professional naturopathic insurance?
Many insurers offer a professional civil insurance contract for naturopaths. Here we present the three contracts with the best value for money.
Hiscox
Guarantees
Professional RC
Optional legal protection
RC Optional operation
Cyber warranty optional
Opinion
The cheapest contract on the market for naturopaths
No deductible and ceiling of 100,000 euros
Rate
175.50 € / year with the broker Coover
Solly Azar
Guarantees
RC Pro
RC Operation
Optional damage package
Opinion
The best value for money
Rate
176.22 € / year with the broker Coover
APRIL
Guarantees
RC Pro
RC optional operation
Optional legal protection
Opinion
An interesting contract for wellness professionals
Rate
From 200 € / year
RC Pro Naturopath Award
The prices presented correspond to the basic professional civil insurance contracts for the naturopathic activity.
The insurance premium may be higher depending on the options taken out and the legal form of your business.
How does naturopathic professional civil liability insurance work?
The profession of naturopath is not a regulated activity, therefore professional civil insurance is not compulsory although it is strongly recommended.
The naturopathic RCP protects you in the event of material, immaterial and bodily damage caused to a third party during your professional activity.
The naturopathic activity exposes you to significant risks. Many situations can result from a questioning of the civil liability of a naturopath: a client triggers an allergy after a recommended treatment, he is injured by falling in your office, or he has pain following a session, etc.
Naturopathic insurance protects you regardless of the location of the loss: at home if you practice at home, at the client's or in your practice.
Thanks to this coverage, in the event of a claim, it is the insurer (and we you) who will compensate the victim of the claim.
What are the guarantees for naturopathic professional civil insurance?
Professional insurance contracts contain various guarantees which are either included in the basic basis or as an option.
Naturopathic professional civil liability
Main risks
Misdiagnosis or any complaint from a patient.
Probability
High
Comments
This guarantee may be required if you share a practice.
RC Operation
Main risks
A patient slips and gets injured in your practice.
Probability
High
Comments
The operating liability is a more general guarantee that covers general damage related to the life of the company
Defense and appeals
Main risks
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Main risks
Dispute with a patient that you must resolve with a lawyer
Probability
Medium
Comments
Warranty often available as an option but rarely in the base base
Whatever your status (self-employed or working in a company), these guarantees will be essential to carry out your activity serenely.
Naturopath, what other insurance to think about?
Mutual health
Status
Optional
Remark
The mutual health insurance supplements the reimbursements of the Health Insurance. Contributions are deductible from your income.
Rate
from € 20 per month for a single person and from € 35 per month for a duo mutual
Multirisk naturopathic practice
Status
Often required by your landlord.
Remark
Covers your practice and operating losses linked to a disaster (fire, burglary, pandemic, etc.).
Rate
from 280 € / year
Occupational pension
Status
Optional
Remark
Provident insurance allows you to be covered in the event of illness and disability (permanent or temporary)
Rate
from 24 € / month
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