What Can Social Services Expect from Professional Liability Insurance Coverage?

What Can Social Services Expect from Professional Liability Insurance Coverage?

Many people decide to become a social worker because they have a desire to contribute to society in a meaningful way. As such, the last thing that they expect is to be sued.

If you are a social worker, then going to work each day without a social worker professional liability insurance can prove to be disastrous. No matter how much you try, no matter how well you mean, there is always going to be someone out there intent on suing you.

As grim as this might sound, it is nothing but the truth. While social workers certainly don’t get sued nearly as much as doctors or even lawyers, they still have to face this threat on an almost daily basis. By purchasing a professional liability insurance policy you can concentrate on doing what you do best—helping others. In other words, you can put aside all thoughts of being held liable and instead focus on your job.

While the quality of your work should never decrease by owning this type of policy, sometimes lawsuits are completely inevitable. As the saying goes, we are all humans and as such we are all prone to making mistakes. A documentation error might slip past you without you knowing. Sometimes, an error or malpractice claim might not even be truly founded—all it takes is an irate or angry client.

So what can you expect once you have done everything to prevent a lawsuit from happening but somehow still manage to face one?

Quite simply, you can expect complete financial coverage from your insurance company (deductible aside, of course). Instead of worrying about legal fees, you can instead work with your lawyer (provided by your insurance company) and work towards proving your innocence.

To find out more about how Professional Liability Insurance can protect you as a social worker, get a FREE online quote.