Compare insurance quotes for social workers
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Business Insurance for Social Workers
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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.
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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
Workers’ compensation insurance is required in almost every state for social services agencies that have employees. It can cover medical costs for work injuries.
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.
How much does insurance cost for human and social services?
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
What our customers are saying
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.