Social Worker Insurance That Supports Your Vital Work 
What types of insurance do social workers need?
Get Trusted Social Worker Liability Insurance for Every Setting
Social workers support individuals through life’s most challenging moments, but that responsibility also carries risk. With social worker insurance, you’re protected against claims of negligence, malpractice, or professional errors. Whether you work in private practice, healthcare, or community services, social worker liability insurance helps safeguard your work, reputation, and the people you serve.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Key Social Worker Insurance Coverages
Every session, case file, and client interaction comes with risk. That’s why Gild Insurance’s social worker insurance options are designed to protect your practice, your license, and your professional integrity. Whether you work independently, in a clinic, or with a nonprofit, we offer expert-backed coverage that supports your work today and adapts to the needs of your clients. With Gild, reliable protection is always part of your care.
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Professional Liability (E&O) Insurance – Protects against client claims of mistakes, omissions, or negligence.
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
The best way to find your social worker insurance is to get a free, online quote in minutes!
Understanding Lawsuit And Claim Risks Of Social Workers
As a social worker, every client interaction carries responsibility, and risk. Mistakes, misunderstandings, or omissions in your professional judgment can lead to client claims, legal disputes, or reputational damage.
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Professional Errors and Omissions – Protects you from claims of negligence, mistakes, or omissions so you can focus on helping clients confidently.
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Client or Third-Party Disputes – Covers claims arising from property damage, miscommunication, or other disagreements during your professional services.
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Breach of Confidentiality or Cyber Issues – Safeguards against lawsuits related to data breaches, mishandling of sensitive client information, or cyberattacks.
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Business Operations Claims – Protects against lawsuits related to business practices, office policies, or contractual disputes.
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Employment-Related Claims – Covers legal claims made by employees, such as wrongful termination, discrimination, or harassment allegations.
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Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Social Worker Insurance You Need Today!
With Gild, you get more than a social worker insurance policy, you get a partner who understands social worker practices and helps keep your business running smoothly, no matter what comes your way.
Frequently Asked Questions
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.
Is professional liability insurance required for social workers?
While not federally mandated, this coverage is:
- Often required by employers, licensing boards, and contracting organizations, especially in clinical roles
- Strongly recommended by the National Association of Social Workers (NASW), particularly for independent practitioners
- Crucial for defending against claims even if you’ve followed all protocols
A single client accusation can trigger costly legal action—this policy helps you stay focused on care, not courtrooms.
How much does social worker insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does social worker insurance cover client confidentiality breaches or data risk?
Yes! Cyber Liability Insurance is designed to respond to:
- Lost or stolen client records
- Breaches involving encrypted emails or telehealth platforms
- Fines or penalties for HIPAA violations
- Identity protection services and client notification costs
In today’s digital care environment, data protection is just as important as emotional support.
Let's Protect Your Expertise Today!
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