The best coverage for your business depends on the type of social work services that you provide. Many people try to spread their coverage by taking on both professional liability and general liability policies. Getting both means that they get the best coverage for their businesses. Although in most cases, a custom social work services insurance plan will be tailored to meet your needs. Below are some examples of risks covered by a social worker insurance policy:
Risk Of Subpoena: social workers should always be ready for subpoenas because they work with people going through difficult times. Sometimes they may be called upon to answer questions when things go wrong. Social work services insurance will cover you through the proceedings.
Sexual Impropriety: You and your employees should be covered against sexual impropriety charges. This is a serious risk that can permanently destroy a business or career in social work. The policy protects you against charges of sexual misconduct, up to the limit of liability.
License Protection: If a client or any other person complains about your conduct to the state licensing board, you may need to defend your license and practice. This process can cost you thousands of dollars in legal fees. But with a valid social work services insurance coverage, you will be reimbursed for all expenses if your policy covers the incident.
Malpractice: There are best practices that guide social workers while providing services to the public. Sometimes a claim can be filed against your business or employees for breach of practice. Malpractice coverage for social workers is crucial and must be thoroughly crafted to mitigate the risks faced in their line of work. This is one of the main risks that social workers must be prepared for as the policy will provide defense coverage whether a claim is valid or not. Even if you don't need a social worker malpractice coverage, you will be asked for it when you sign up to offer professional social work services.
Breach Of Confidence: Also known as an Information Privacy Coverage (HIPAA). The HIPAA coverage if necessary if you or your employees violate privacy protection laws. Violation of confidential personal information is not in compliance with HIPAA and can lead to lawsuits, fines, and loss of business. Many times when HIPAA laws are broken, it is unintentional; however, the circumstances surrounding the breach will not exempt you from liability.
Contractual Liability: It is common practice for social work service providers to be offered a contract by a third party. These types of contracts will require you to assume responsibility for a third parties liabilities. Your social work services insurance policy should also cover this transfer of liability.