Professional indemnity insurance for social workers
As an independent social worker, you are constantly involved in unique life situations involving a variety of people of different backgrounds who need your input to resolve a challenging issue that affects their life.
Since it is rather difficult to know what each day in your work life will bring, having some kind of backup, a peace of mind if you like, is essential. Professional indemnity insurance for social workers protects you from the many risks implicit in your work. Despite your best efforts, you may be accused of:
- Failing duty of care
- Causing an injury
- Providing bad advice
- Saying the wrong thing
Why is professional indemnity insurance for social workers important?
Social work is a noble profession which is not without its risks. These risks can and do turn into threats to your reputation, bank balance and livelihood.
For an independent social worker insurance is the most important backup plan. If a client blames you for something negative that has happened to them, it can quickly evolve into a compensation claim.
As a social worker you may find funding legal assistance or paying any compensation out of your own pocket hard.
Public liability insurance for social workers
As a social worker you meet your clients face to face all the time in a range of settings. If you work independently, you are unlikely to have the chance to think about the implication of who might be at fault if an accident happens.
Public liability insurance protects you against accusations when you may have accidentally caused an injury to either your client or a third party during the course of your work. The same applies to property damage.
How does general liability insurance for social workers work?
Professional indemnity and public liability insurance are legal covers. This means that when you find yourself in a challenging situation with a client, you have someone to turn to for legal advice and help.
Professional indemnity insurance for social workers is designed to provide qualified legal assistance and representation as well as pick up any compensation if you are found liable.
You will be looked after from the moment you submit your concern all the way to the resolution.
And this is very much the case for public liability insurance as well. If someone accuses of causing them an injury or property damage during the course of your work, you have your legal team to support you and your insurers to pay their fees.