Business Insurance for Social Workers

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Social Worker

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Save money by comparing insurance quotes for social workers

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.

Social worker speaking with female client.

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What types of business insurance do social workers need?

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

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.

BEST FOR

Slip-and-fall accidents
Damaged client property
Libel and slander lawsuits

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.

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 and commercial property insurance together.

BEST FOR

Visitor injuries
Damage to client property
Damage to 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 sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Partial missed wages
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

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

View Costs

What our customers are saying

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