Social worker insurance

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

Liability limits up to £2m
Low prices, no extra charges or APR
Change or cancel anytime
Rated by customers
Answer 4 simple questions to get an instant price.
Answer 4 questions to get a price.
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Insurance for social workers.
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Priced in a Jiffy
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subscription model
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The problem

Social workers face many risks

Compensations demands for being negligent

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

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Something you said is taken out of context

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.

Claims of causing an injury

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

Accusations of failing duty of care

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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Our mission is to see small business insurance done fast, clear, upfront and painless.  

4 step quote

Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

Get help when you need it from our Bristol based team.

covers to consider

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.

Finding the right cover

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.

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Choosing limits

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.

Business legal protect
Included with your insurance

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.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • 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.


Business activity

Social working


per month


per month


per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.


Business Legal Protect

Commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

with professional indemnity
with professional indemnity
with professional indemnity

Public liability

Defends your business against legal threats from third parties claiming you’ve caused them injury or property damage. Suited PL cover also pays compensation if due.


Electronic business equipment

Protects your business against costly repairs or replacement costs of electronic business equipment and accessories that you own or hire to do your job.

of equipment
of equipment
Get a price
Answer 4 questions then select the policies and limits you need.

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.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

No longer need us? Cancel anytime, no more to pay.


My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote in minutes.

Piers Field
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