(1) It is unlawful for a person to practice as a naturopathic doctor in this state unless the person is covered by professional liability insurance in an amount not less than one million dollars.
(2) Professional liability insurance required by this section must cover all acts within the scope of practice of a naturopathic doctor.
(3) A naturopathic doctor is liable for his or her acts or omissions in the performance of naturopathic medicine.