Social worker insurance
Secure social work liability insurance quickly and without fuss. We're simply-priced, flexible and upfront.

Social workers face many risks

Your clients rely on your advice and experience to make their lives better. If they feel you failed, they might feel entitled to compensation.


As a social worker you spend a lot of time with your clients. You may say something that's taken the wrong way and you’re facing a legal claim.

As a social worker you face potential lawsuits brought against you by clients if the assistance you provide leads to an accident.

Even when you do everything you can, sometimes it is seen as not enough and you may need to answer a case of not fulfilling your duty.
You need social worker insurance that effectively protects you from accusations of wrongdoing.
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What insurance do social workers need?
Choosing the right insurance for you depends on the size and nature of your business. Key insurance social workers should consider include:

Professional indemnity
Provides you with legal defence against unhappy clients demanding compensation for making them worse, saying something wrong or breach of confidentiality.

Public liability
Protects your business against claims of causing an injury or property damage to a third party, this could be your client or someone visiting your premises.

Electronic business equipment
Pays for repair or replacement of your portable business equipment (and accessories) you need to do your work.
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:
- Negligence
- 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.
When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

- IR35 & HMRC investigations
- Legal matters concerning your business
- Negative PR (£25,000 cover)
- Criminal prosecution
- Compliance & regulation issues
- Unpaid invoices (over £200)

- Free tax advice
- Free commercial legal advice
- Counselling for you and your staff
- Access to a legal template library
- Identity theft assistance
How much does social worker insurance cost?
Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.
Common questions
Do I need to have professional indemnity insurance for social workers?
It’s not a legal requirement but it is a sensible investment into the protection of your business. If you're a member of a regulatory body or work for a local authority, it might be a condition.
Is arranging social worker insurance conditional on being qualified?
If you wish to arrange insurance with Suited, you need to hold suitable professional qualifications or experience.
Do I need to submit my qualifications to get social worker insurance with Suited?
Suited only requires you to be qualified and/or experienced but you do not have to provide evidence. However, you may be asked to do so in the event of a claim.
Does Suited professional indemnity insurance for social workers include past work?
PI insurance protects you against financial claims as a result of professional mistakes while public liability defends you if you have accidentally caused an injury or property damage.
No problem, with Suited you can flex your insurance as your business evolves.

Save money by not paying extra to change your cover.

No longer need us? Cancel anytime, no more to pay.
The fast and hassle free way to get business insurance for small professional outfits.