Business Insurance for Social Workers

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Social Worker
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A client lawsuit or staff injury could cost you money and time you don’t have to spare. Safeguard your small organization with top-rated insurance coverage for social workers.

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Insureon helps social workers compare insurance quotes from top U.S. insurers with one easy online application.

What types of business insurance do social workers need?

These policies provide coverage for common risks faced by social workers.

General liability insurance icon

General liability insurance

This insurance policy covers common third-party risks, including bodily injury and property damage. For example, it will cover legal costs if a client trips on your front steps.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel and slander lawsuits
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Professional liability insurance

Professional liability coverage, also called malpractice insurance, can cover lawsuits related to social work mistakes or oversights, such as failing to notice a child is in danger.

  • Accusations of negligence
  • Oversights that result in client injury
  • Failure to provide promised services
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for a licensed clinical social worker (LCSW) to buy general liability and commercial property insurance together.

  • Visitor injuries
  • Damage to client property
  • Damage to business property
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Directors and officers insurance

This liability insurance policy protects board members and officers from legal expenses if they are sued for a decision they made on behalf of your small business.

  • Accusations of mismanaged funds
  • Failure to comply with HIPAA
  • Failure to perform official duties
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Workers’ compensation insurance

Most states require workers' compensation for social services that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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Commercial auto insurance

Commercial auto insurance can pay for property damage and medical bills in an accident. It also covers vehicle theft, weather damage, and vandalism.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

Why do social workers need insurance?

Whether engaged in outreach, healthcare, connecting clients with services, or teaching classes, you interact with vulnerable people in high-liability situations. Social worker insurance can help cover unexpected medical and legal bills so you can continue to effectively serve your community.

How much does insurance cost for human and social services?

Person writing on tablet calculating cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Services offered, such as mental health counseling and crisis resolution
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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