Why Social Workers Need Liability Insurance

Why Social Workers Need Liability Insurance

While social workers are an invaluable part of the community, they do face the risk of legal claims against them. No matter the experience behind the social worker, errors can still happen and the people that they care for can still file legal claims against them.

The Risks Social Workers Face

Social workers can face a wide variety of complaints against them. Legal claims may occur when:

  • A social worker maintains a private relationship with a client
  • A social worker deceives his or her client out of money
  • A social worker does not prevent a client’s harm

A relationship between a social worker and a client has to remain completely professional. Romantic and over-friendly relationships are prohibited. Fraud, no matter the business, is never acceptable and can be one of the most common reasons behind a lawsuit. Negligence, on the other hand, may occur when a client indicates that he or she is in danger and the social worker fails to help the client.

The Help Liability Insurance Provides

Social work liability insurance is professional liability insurance but with specialized options for social workers. Liability insurance protects against claims of negligence, misrepresentation and fraud. One of the advantages of social work liability insurance is that the premiums are relatively low compared to other professions.

No matter the industry, liability insurance is critical for all businesses. Social workers, no matter how professional may be the subject of lawsuits.

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