Insurance for Social Service Providers
Professionals involved in social work increasingly need liability insurance as a shield against the rising tide of legal challenges.
This trend reflects the heightened legal scrutiny and the complex ethical landscape social workers navigate.
The escalation in litigation, evidenced by a stark rise in adverse actions reported against social workers—from just two instances in 1990 to nearly a thousand by 2019—paints a vivid picture of the growing risks faced by those in the field.
Get a Free Quote Now
The fastest way to find the most suitable insurance coverage for social service providers is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.
Westwood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.
Insurance for Social Service Providers can include:
- Bodily Injury Coverage
- Property Damage Coverage
- Premises Liability including slips, trips, and falls
- Completed Operations Coverage
- Personal and Advertising Injury including Defamation (slander or libel)
- Medical Payments Coverage
- Legal Defense Costs
- Legal defense expenses covered in addition to liability limits
- Abuse and Molestation (SAM) Coverage (limited coverage)
Social Work Liability Insurance
Why do Social Service Providers need Insurance?
Liability insurance for social workers transcends basic financial protection; it embodies a layer of security that allows these professionals to focus on their mission of aiding individuals and communities without the looming threat of legal entanglements. This insurance plays a pivotal role in covering legal expenses and settlements, safeguarding social workers’ careers and their personal assets.
The spectrum of claims leading to lawsuits against social workers is broad, encompassing allegations from breaches of confidentiality to failure in duty of care. As social workers continue to confront these challenges, liability insurance remains a critical element in their professional toolkit, ensuring they can carry out their vital work with confidence and security.
How much does Social Work Liability Insurance cost?
The cost of liability insurance for social workers can vary widely, based on several factors including location, experience, and the specific services provided. On average, standard cover of $1 million per incident and $2 million aggregate can range from $480 per year for each social worker, to $1,200 per year for self-employed clinical social worker.
To quicklyand accurately find out how much social work liability insurance will be for your business, fill out the form, for an obligation free quote.
What types of Insurance do Social Service Providers need?
General Liability Insurance
Professional Liability Insurance
Sexual Abuse and Molestation Insurance
Commercial Property Insurance
Workers Compensation Insurance
Cyber Liability Insurance
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Speak with an Insurance Professional
Dale Nelson
Dale specializes in sourcing the most suitable insurance for Social Service Providers at the best price. You can call him or fill out the form and he will get your message directly.