Business Insurance for Social Workers

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Social Worker
Social worker with a little girl.
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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 helps cover unexpected medical and legal bills so you can continue to serve your community with peace of mind.

Social worker speaking with female client.
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One application, multiple quotes

Insureon helps social workers compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of business insurance do social workers need?

These insurance policies cover common risks faced by social workers.

General liability insurance icon

General liability insurance

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

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

Professional liability insurance

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

  • 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 coverage and commercial property insurance together.

  • Visitor injuries
  • Damage to client property
  • Damaged or stolen business property
Directors and officers insurance icon

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
Workers’ compensation insurance icon

Workers’ compensation insurance

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

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
Commercial auto insurance icon

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.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

How much does insurance cost for human and social services?

Person writing on tablet calculating cost of business insurance.

A social service business with fewer employees will pay less for commercial insurance than a larger company.

Factors that affect insurance costs include:

  • Services offered, such as mental health counseling and crisis resolution
  • Business property and equipment
  • Business income
  • Business operations
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get social worker insurance coverage?

It's easy to get social worker insurance policies if you have your company information on hand. Our application will ask for basic facts about your professional services business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your social work agency, whether you work independently or hire employees.

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