2018-12-15 By Tanya G. Dixon
While it is important for anyone accountable for professional servicing, the social service agency and the associated social worker have pointed vulnerabilities in relation to risk exposure. Of course, interconnected insurance coverage is a solution that truly provides the essential protection that is necessary.So here you have it: Insurance for the Industry; Customized IndemnityAgency Insurance CoverageBecause of the extraordinarily high risks involved with operating a social service agency, insurance coverage becomes the anchor against the liability. As a professional liability program tailored made for the industry, this type of insurance is geared to the unique counseling services offered to individuals, families and groups. Restricted malpractice insurance coverage is also available to psychiatrists on staff at the varying related agencies.The following is a short sampling of social services that can benefit from the insurance program:Drug Rehabilitation FacilitiesAlcohol Rehab CentersFederal and State Social Service Referral HubsCommunity Service CentersTherapy services focused on working with families and family domestic problemsAgency counseling and therapy for developmentally delayed, autistic and psychotic kidsOther Social Service Counseling CentersSocial Worker and Welfare Worker Professional Liability or Errors and Omissions CoverageKnown either by the professional liability term or simply as errors and omissions insurance, this type of coverage protects the related agency’s social worker or welfare worker against associated risk exposure. Typically written under the name of the agency, the insurance program is designed to shield the related staff members from liability lawsuits and claims.Clinical Social Worker Professional Liability Coverage that is Independent of the AgencyWhile the social worker is protected by insurance through the social services that he or she works at, some may want to consider additional personal professional liability coverage.More coverage can kick in after the insurance limits of the associated agency’s policy is used up or drained in a court lawsuit.This added coverage can protect the social worker or welfare worker from a medical incident, legal defense costs, first-aid expenses, sexual misconduct or abuse accusations, property damage to others, personal injury expenses, privacy violation notices, assault costs, the possibility of license removal and many other very important issues that may not be all-inclusive in the professional liability coverage presented by the social service agency.For more about agency and social worker insurance coverage including risk management, it is strongly advised to consult with an experienced and qualified independent insurance agency.