Adoption agencies
After-school youth programs
Daycare centers
Foster care centers
Group homes
Nursing homes
Senior centersCompare insurance quotes for social workers
Save money by comparing free quotes from multiple carriers.
Social Worker
Business Insurance for Social Workers
Compare multiple quotes from top carriers with one application.
Social Worker
We partner with trusted A-rated insurance companies
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.
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
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.
BEST FOR
- Slip-and-fall accidents
- Damaged client property
- Libel and slander lawsuits
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.
BEST FOR
- Accusations of negligence
- Oversights that result in client injury
- Failure to provide promised services
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.
BEST FOR
- Visitor injuries
- Damage to client property
- Damaged or stolen business property
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.
BEST FOR
- Accusations of mismanaged funds
- Failure to comply with HIPAA
- Failure to perform official duties
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
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.
BEST FOR
- 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?
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
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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.
What our customers are saying
