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Social Services, Workers – How Important is Tailored Insurance?

Social services agencies and the individual social worker so often are under scrutiny for professional liability. This is the very reason why a tailored insurance plan is essential.

RELATED: Church counseling services and involved liability

Insurance for the Social Service

 Due to the especially high exposure to liability in this type of agency, related coverage is extremely important. The coverage may come under a professional liability policy explicitly created for the social service requirements. It is the professional services provided through the agency and its professional staff in regard to individual, family or group therapy and counselling sessions that are of particular interest to the insurance company. In addition, limited coverage is available for medical malpractice in relation to psychiatrists employed by the agency who desire the indemnity protection.

The insurance is applicable to the following forms of social services:

  • Drug and Alcohol Rehab Centers
  • Government Social Service Referral Agencies
  • Community Service Centers
  • Agencies dealing with Domestic Family Issues and Behavioral Health
  • Agencies dealing with Developmentally Delayed, Autistic and Neurotic Children

Errors and Omissions Insurance for the Social Worker

This professional liability insurance protects the social worker as well as the welfare worker that is employed by a social services or welfare agency. Though associated policies are frequently written under the agency’s name, the important coverage is underscored to protect social and welfare workers who are staff members.   

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Summary: For the social service agency and its social or welfare worker, professional liability exposure is widespread. Related insurance covers the perils.



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