Whether you’re practicing independently or within an agency, social workers should consider the following coverages:
- Professional Liability Insurance (E&O) – Protects you from claims of negligence, misdiagnosis, or emotional harm tied to your services.
- General Liability Insurance – Covers physical incidents like a client tripping in your office or property damage during a home visit.
- Cyber Liability Insurance – Important if you store or share client records digitally, including session notes and confidential data.
- Business Owner’s Policy (BOP) – Combines general liability with property protection, useful if you own or lease an office space.
- Workers’ Compensation – Required if you hire support staff or interns.
When your work centers around trust, confidentiality, and client welfare, risk protection isn’t just smart—it’s essential.
