NCA and Aon
Insurance for members of Nutrition Council Australia
or call 1800 805 191 Mon - Fri 8:30am - 5:00pm AET
Special offer: 15 months for 12
Get 15 months cover for the price of 12 when you take out a new Professional Indemnity and Public & Products Liability policy through Aon.1
Why should Nutritionists consider insurance?
Those who wish to register with Nutrition Council Australia and operate as Nationally Recognised Nutritionists (NRN’s) that work directly with clients within the limitations of the NCA endorsed Scope of Practice are required to have appropriate Professional Indemnity and Public Liability insurance.
As a Nutritionist, you provide advice and counselling about diet, food, and nutrition. Most clients would take on your advice and achieve great results, but there is always a chance that a client may experience an unforeseen reaction as a result of your advice or misinterpret part of your plan, which could lead to them holding you legally liable and ask you to pay damages.
For example, you may have meticulously researched an eating plan for a client but a previously undiagnosed allergy to a food type activates an allergic reaction.
Professional Indemnity insurance is designed to help protect you if something goes wrong while you’re providing professional services to your client. It includes cover against a wide range of risks like claims of professional negligence.1
Rely on Aon’s industry expertise in Nutritionist insurance
Business insurance can be complicated. What you think you’re paying for isn’t always what you get. At Aon, we want to help you feel confident you’ve made a smart decision for your business insurance needs. As SME specialists for Nutritionists insurance, we understand the risks that businesses like yours face and how to insure against them. We know insurance policies and understand that the detail of your policy wording is critical to providing the type of cover your small business should consider. That’s why we help you by arranging policies customised for the common risks of your industry.
Our team of Australian-based SME insurance experts are here to support you and your business every step of the way. We’ll give you access to the relevant information required to help you understand the cover options available to you to help you feel more informed about your choice of insurance.
Choose your cover
What are the cover benefits
Cover benefits of Professional Indemnity Insurance for NCA Members
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice on risks insured under this policy. Legal advice relating to your policy is not included.2
Choose a level of Professional Indemnity cover that suits you: $1 million, $2 million, $5 million, $10 million or $20 million.2
No excess for certain claims against the Professional Indemnity or Product Liability section.2
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate.2
You may be covered for claims relating to events connected with your business that happened before you purchased cover, as long as you weren’t aware of a claim or facts or circumstances which could give rise to a claim, before you purchased the policy.2
Subject to eligibility criteria and must be stated in the Schedule.
You can be subject to claims for professional wrongdoing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after you retire or your business ceases, to help respond to claims arising from events which arose while the business was operating.2
Why Aon?
Don't just insure, be sure.
Industry expertise
Feel confident about your choice of insurance by talking with specialists in your industry
Local support
All brokers based in Australia
Global broker
Our global scale means we can negotiate competitive quality insurance products with insurers
Client education
We provide specialist resources on business insurance and risk management to help you stay on top of current and emerging risks in your industry
Frequently Asked Questions
Here are answers to some commonly asked questions by NCA Members.
Am I covered if I conduct home visits with clients?
If you conduct home visits to provide your service, the Aon Health Combined Professional Indemnity, Public & Products Liability Policy will extend to those visits.2 However, this may not be the case for all policies, so we recommend contacting your broker to confirm your coverage.
Why should Nutritionists consider Public & Products Liability insurance?
You know there are things in life that are out of your control, like accidents. There could be a loose nail, and someone could snag themselves on it, setting into motion any number of events that could lead you to being sued. You could be held liable if someone is injured or their property is damaged on your premises or because of your business dealings.
Public & Products Liability insurance helps provide cover for legal liability if a client or member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or while on your premises2.
What level of complimentary legal advice do I receive?
A total of 2 hours of complimentary legal advice is offered if you hold the Aon Health Combined Professional Indemnity, Public & Products Liability Policy. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.2
The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. This conversation will not impact the future cost of your insurance premium.
When will I receive my certificate of currency?
When you purchase your insurance online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers, the time line may vary.2
Why might I need run-off cover?
Even after you've retired or are no longer practising, you could still be subject to claims from the time you were in business. Under the Combined Professional Indemnity, Public & Products Liability Policy arranged through Aon, run-off cover allows you to arrange complimentary run-off cover for a period of up to 7 years in relation to incidents that happened while you were practising.2
How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time. That's why as your broker we are always on hand to help with any questions. Please do not hesitate to call us on 1800 805 191 during business hours.
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example you have moved into a new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 1800 805 191 during business hours.
How do I renew my policy?
Your renewal offer, schedule and tax invoice will be emailed to you approximately 30 days before your renewal date. Please ensure you review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, simply make payment by the date specified on the tax invoice.
What should I do if I have not received my certificate of currency or renewal offer/documents?
Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please request your Certificate of Currency here or alternatively contact us on 1800 805 191 during business hours or email [email protected] and we will look to send your documents as soon as possible.
What are your opening hours ?
Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours you can email our health
professions-specific teams:
Chiropractor / Osteopath [email protected]
Occupational Therapists [email protected]
Personal Trainer [email protected]
Physiotherapist [email protected]
Psychologist [email protected]
Yoga/Pilates Instructor [email protected]
All Other Health Professions [email protected]
And we will pick up your query on the next business day.
Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding2 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on:
Chiropractor / Osteopath [email protected]
Occupational Therapists [email protected]
Personal Trainer [email protected]
Physiotherapist [email protected]
Psychologist [email protected]
Yoga/Pilates Instructor [email protected]
All Other Health Professions [email protected]
And we will pick up your query on the next business day.
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Or call us on 1800 805 191, email us on [email protected]
1 Offer available to new customers who purchase the Aon Health Combined Professional Indemnity, Public & Products Liability Policy and who do not currently have a Professional Indemnity or Public Liability policy arranged by Aon. Aon reserves the right to cancel this offer at any time
2 Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information.
3 We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox. If you're arranging the policy via one of our Brokers the timeline may vary, however it is likely to be a minimum of 24 hours.
4 Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them.
© 2020 Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL no. 241141 (Aon)
Aon Health Combined Professional Indemnity, Public & Products Liability Insurance is arranged by Aon on behalf of the underwriter, Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.
The information contained on this website is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. Before deciding whether a particular product is right for you, please consider your personal circumstances, as well as the relevant Product Disclosure Statement (if applicable) and full policy terms and conditions available from Aon on request. All representations on this website in relation to the insurance products we arrange are subject to the full terms and conditions of the relevant policy. Please contact us if you have any queries.