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Social Worker Insurance That’s Made Just for You
As a social worker, you’re a master mediator, government representative, and humanitarian. While you’re busy focusing on supporting individuals and communities going through difficult times, the right insurance policies can protect your small business.
Even though you may not know what insurance you need, Simply Business is happy to help you find the best coverage for your social work business!
What Insurance Do Social Workers Need?
Being a social worker means you’re at risk for injury while working with compromised groups. While visiting people on-site, a fight could break out and lead to property damage. This is why we highly recommend purchasing small business insurance.
Get Your QuoteGeneral Liability Insurance for Social Workers
You’re responsible for covering medical bills if a client is injured while visiting your office. On the other hand, if you’re working on the client’s site and you cause property damage, you’re responsible for the repairs. General liability insurance — also known as commercial general liability (CGL) insurance — would be able to help cover some of the costs in those situations.
General liability usually covers:
- Bodily injury
- Third-party property damage
- Personal and advertising injury
- Medical expenses
- And more
General liability insurance usually does not cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Expected or intentional injury or damage
- And more
Learn more about General Liability Insurance.
Professional Liability Insurance for Social Workers
The nature of social work is to provide guidance and advice, especially in cases where your clients may need your help to get through tough family situations. Although social workers are at a lower risk for being sued, you could still be liable for negligent behavior or for giving bad advice. Even if you’re faced with a claim or lawsuit for alleged negligence that didn’t occur, a professional liability insurance policy may cover some damages and legal costs you’re asked to pay for.
Professional liability insurance usually covers:
- Negligence or alleged negligence
- Legal defense costs
- Claims involving libel and/or slander
- Copyright infringement
- Claims and damages
- And more
Professional liability insurance usually does not cover:
- Intentional negligence
- Bodily injury
- Property damage
- False advertising
- Employment matters
- Patents and trade secrets
- And more
Learn more about Professional Liability Insurance.
Workers Compensation Insurance for Social Workers
Whether you already have employees or are beginning to hire, investing in workers compensation insurance is very important — and in most states, it’s a legal requirement. If an employee gets sick or injured while working for you, workers compensation — also known as employers liability insurance — can provide your business with financial protection.
Coverages include:
- Medical Payments
- Lost Wages
- Rehabilitation Expenses
- Death Benefits
How Much Does Insurance Cost for Social Workers?
While there’s no single answer for how much insurance costs for social workers, you can get an estimate for what you may pay based on:
- Your revenue
- Your payroll
- Your business location
- The type of services you provide
- And more
Want to find out how much your social work business insurance may cost?
Click here to answer a few questions so we can help you learn how much you can expect to pay for your social worker insurance coverage.