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.

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.