NASW Insurance: Everything You Need to Know

As a social worker, you play an important role in the lives of the people you serve. You provide support and guidance to individuals and families during some of the most challenging times they will ever face. But while you’re taking care of others, who is taking care of you?

That’s where NASW Insurance comes in. NASW, or the National Association of Social Workers, is dedicated to providing social workers with the resources they need to succeed. One of those resources is affordable, reliable insurance coverage.

What is NASW Insurance?

NASW Insurance is a comprehensive insurance program designed specifically for social workers. The program includes professional liability insurance, general liability insurance, and cyber liability insurance. This coverage is essential for protecting you and your practice from financial loss in the event that something goes wrong.

Professional Liability Insurance

Professional liability insurance, also known as malpractice insurance, is designed to protect you from claims of negligence, errors, or omissions in your work as a social worker. It covers the cost of legal defense and any damages awarded to the plaintiff in a lawsuit.

For example, if a client accuses you of providing negligent advice that resulted in harm, your professional liability insurance would cover the cost of defending yourself in court and any damages that may be awarded to the client.

General Liability Insurance

General liability insurance is designed to protect you from claims of bodily injury, property damage, or personal injury that occur as a result of your business operations. This coverage is particularly important if you have a physical office or if you interact with clients in their homes or other locations.

For example, if a client slips and falls in your office and sues you for medical expenses and lost wages, your general liability insurance would cover the cost of defense and any damages that may be awarded.

Cyber Liability Insurance

Cyber liability insurance is designed to protect you from claims related to data breaches, cyber attacks, and other cyber crimes. This coverage is essential if you store any sensitive client information electronically, such as on a computer, tablet, or smartphone.

For example, if a hacker gains access to your client database and steals personal information, such as names, addresses, and social security numbers, your cyber liability insurance would cover the cost of notifying affected clients and providing credit monitoring services.

Why Do I Need NASW Insurance?

As a social worker, you face a wide range of risks and liabilities in your day-to-day work. Even if you are diligent and careful, mistakes can happen, and clients can become dissatisfied or even harmed as a result. Without insurance coverage, you could be personally responsible for the cost of any legal defense or damages awarded in a lawsuit.

NASW Insurance provides peace of mind by covering these costs on your behalf. With affordable, reliable insurance coverage from NASW, you can focus on what you do best – helping others.

How Do I Get NASW Insurance?

Getting NASW Insurance is easy. Simply visit the NASW Insurance website and select the coverage options that best meet your needs. You can apply online, and coverage starts as soon as your application is approved.

FAQs

Who is eligible for NASW Insurance?

All NASW members are eligible for NASW Insurance. If you’re not already an NASW member, you can join today and take advantage of all the benefits that come with membership, including affordable insurance coverage.

How much does NASW Insurance cost?

The cost of NASW Insurance varies depending on the coverage options you select and the size and scope of your practice. However, NASW Insurance is designed to be affordable for social workers at all stages of their careers.

Do I need all three types of coverage?

Not necessarily. The type and amount of coverage you need will depend on the nature of your practice and the risks you face. However, it’s recommended that all social workers have at least professional liability insurance to protect themselves from claims related to their work.

What if I already have insurance?

If you already have insurance coverage, that’s great! However, it’s important to review your policy carefully to make sure it provides adequate coverage for your needs as a social worker. If you have any questions or concerns, NASW Insurance is available to provide guidance and support.

What if I have a claim?

If you have a claim, simply contact NASW Insurance as soon as possible to report the incident. The NASW Insurance team will guide you through the claims process and provide support and assistance every step of the way.

Conclusion

Insurance coverage is an essential part of protecting yourself and your practice as a social worker. With NASW Insurance, you can have peace of mind knowing that you’re covered in the event of a claim or lawsuit. Don’t wait – visit the NASW Insurance website today to get started.