Social Work Professional Liability

Is one of the largest professional liability insurance providers in the united states.
Social work professional liability. You need professional liability coverage. If you plan to practice as a social worker you have to think about the virtue of professional liability insurance. Nasw works to enhance the professional growth and development of its members to create and maintain professional standards and to advance sound social policies. We provide an industry leading professional liability coverage form which includes a broad coverage grant and a broad definition of the professional services we cover.
How much does professional liability insurance for social workers cost. This can be attached to a package policy along with the commercial general liability and the abuse or molestation coverage parts which will provide your human and social service. Professional liability insurance for clinical social workers clinical social workers are as vulnerable to the threat of a malpractice suit as other healthcare providers. In most cases social workers will benefit from holding an inexpensive policy.
Even if you feel you do not need social work malpractice insurance it will probably be required of you if you sign a contract to provide professional social work services. Defense costs can often equal the amount of a potential judgment. Professional liability insurance protects social workers if they are sued for malpractice. Founded in 1955 the national association of social workers nasw is the largest membership organization of professional social workers in the world with more than 120 000 members.
By recognizing the need to safeguard your career you can help avoid putting your financial future in serious danger. Social workers need protection from frivolous. But helping others can put you at risk of being sued by someone dissatisfied with an outcome. Social work is a rewarding career that demands personal commitment.
A professional liability policy will provide defense coverage on your behalf even if a claim is unfounded. While many factors will be taken into consideration when pricing a professional liability insurance policy a social worker can expect to pay around 500 for the standard liability limit of 1 000 000 per occurrence and 2 000 000 per aggregate. As a program administrator with approximately 100 000 policyholders apa inc. A social worker cannot assume that her his employer will assume all liability and that the employer s liability insurance will cover the social worker.
Whether you need it depends upon your employer situation your requirements and your capacity of risk taking.