Traditional Naturopath Insurance Coverage Checklist
The coverages a traditional naturopath business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for traditional (unlicensed) naturopaths and natural health consultants. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Traditional Naturopathy) | Covers claims that your consultation or program caused harm; confirm it is written for unlicensed practice. | Core | |
| General Liability | Covers clients and visitors injured at your office, classes, or events. | Core | |
| Products Liability | Covers supplements, herbs, and remedies you sell or recommend under your name. | Core | |
| Regulatory / Licensing Defense | Pays legal costs if a state board or prosecutor alleges unlicensed practice. | Prevalent | |
| Cyber / Privacy Liability | Covers client health histories and online consultation records. | Prevalent | |
| Media / Advertising Liability | Covers claims over titles, testimonials, and health claims in marketing. | Prevalent | |
| Business Personal Property | Covers office equipment and product inventory. | Situational | |
| Sexual Abuse & Misconduct Liability | Needed if sessions involve physical assessment or one-on-one home visits. | Situational | |
| Special Event / Retreat Liability | Covers classes and retreats held at other venues. | Situational | |
| Workers' Compensation | Required once you have employees. | Situational |
The coverage gap most often missed
The gap most often missed by traditional naturopaths is a claim tied to unlicensed practice. Florida, South Carolina, and Tennessee prohibit naturopathy, licensing states restrict titles like ND, and liability policies generally exclude criminal acts, fines, and penalties — so a claim from a state where the practice is illegal can go uncovered. Know each client's state law, never use a protected title, and ask about regulatory defense coverage.
Send us the checklist and we'll review your traditional naturopath coverage line by line, then market it across multiple carriers that compete for your account.
Related: Traditional Naturopath Insurance · Traditional Naturopath Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a traditional naturopath business need?
The core coverages for a traditional naturopath business are Professional Liability (Traditional Naturopathy), General Liability, Products Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my traditional naturopath coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.