Professional Liability FAQ

Professional Liability Insurance

Professional liability insurance protects social workers if sued for malpractice. Social workers need protection from legal action due to negligent acts, errors, and omissions on the job and frivolous lawsuits that can be brought even years later.

Without coverage, you could spend precious time and resources defending yourself, regardless of whether there is any merit to the claim. Professional liability insurance provides you with experienced legal defense and coverage for settlements or damages.

The professional liability insurance program provided through NASW Assurance services covers you for specific risks, including supplemental liability for clients tripping and falling in your private office during a private session, legal counsel for a licensing board complaint or administrative hearing, and more.

As a wholly-owned subsidiary of NASW, our mission is to improve the lives of social workers. NASW Assurance Services manages all aspects of the professional liability program, from making sure that benefits stay current and comprehensive, to meeting the needs of the social work profession, to keeping program costs low.

You can have peace of mind knowing that your coverage is provided through an organization that you trust and that cares about you.

The professional liability insurance program offers exceptional benefits at low costs, including:

  • $35,000 State Licensing Board Defense Coverage for social workers
  • $5,000 Per Person/$50,000 Aggregate Medical Payments to others, should injury impact a client during a session
  • $15,000 First Party Assault Coverage
  • $15,000 Emergency First Aid Coverage
  • $10,000 Deposition Expense Coverage (per deposition)
  • Telehealth Coverage Included in professional liability limits
  • Portable Coverage Follows your licensure or certification
  • Professional Liability Occurrence Policy (Lifetime Coverage)
  • Unlimited Defense Attorney Fees in lawsuit defense
  • Plus more benefits!

Social workers covered under the professional liability policy of their employer, agency, or school also need their own individual coverage. Employer coverage does not necessarily protect you individually from risk and you may be liable for your own negligence. Depending on the situation, employer insurance may be inadequate when considering individual professional defense needs and will not apply if an employer is required to report professional allegations against you.

Like it or not, large organizations such as schools and agencies may find it necessary to focus on their organizational needs first, and not on the needs of the individual social worker. For example, social workers covered by organizational policies are unlikely to be provided their own defense team to look out for their careers. Your employer may also have the right to consent to a settlement rather than defend your individual professional interests.

Also, if you leave your employer, it may be questionable whether you would still be covered under their policy. Purchasing your own professional liability insurance means you’ll still be covered, even if you change jobs.

NASW Assurance Services launched the professional liability insurance program in 2007 to provide reliable, affordable malpractice insurance for social workers. We strive to maintain liability insurance products that give social workers peace of mind while they practice, with the continued advocacy and oversight of NASW and NASW Assurance Services.

Multiple variables impact insurance cost, including the amount of liability coverage you choose, your employment type, and whether you work full-time or part-time. NASW Assurance Services works hard to ensure social workers have comprehensive liability insurance at competitive rates.

To obtain a rate quote online, visit naswassurance.org/preenrollment

NASW Assurance Services’ staff manages the program to ensure that members receive excellent, caring customer service.

Importantly, we will advocate on your behalf if you’re unfairly denied coverage or renewal. The management and advocacy efforts of NASW Assurance Services can make a real difference.

NASW Assurance Services also develops and provides in-person and online risk management workshops, tools, and resources to help our policyholders reduce their risk from lawsuits.

NASW Assurance Services ensures excellent customer service for policyholders:

  • Personal service from knowledgeable, insurance licensed representatives when you have a question or request;
  • State-of-the-art system offering an easy, fast process for applying for and renewing coverage;
  • To get a quote or apply visit naswassurance.org/preenrollment or call 888-674-7174

Policyholders will have access to a risk management helpline for ethical questions that have not yet led to claim. For covered claims, policyholders are assigned an attorney and receive unlimited defense coverage included with the policy.

Visit naswassurance.org/preenrollment to enroll or get a quote. For general questions on how to enroll, you may also call 855-385-2160 to speak with a member care unit representative.

Yes. Please visit naswassurance.org/preenrollment to renew your policy.

If you have additional questions not covered here – call 855-385-2160 to speak with a member care unit representative or contact us by submitting a question using our online form. We’ll respond to you by email from [email protected].

You are now leaving our website to begin your malpractice insurance application with CPH Insurance. Please note that no information from our site will be transferred for privacy reasons. You will need to re-enter your details to complete your application. Thank you for your trust in us.

The National Association of Social Workers (NASW) and NASW Assurance Services, Inc. (ASI) have partnered with CPH Insurance to offer comprehensive professional liability insurance tailored specifically for social workers.

You are now leaving our website to begin the renewal process for your liability policy with Preferra Insurance Company. Please note that no information from our site will be transferred for privacy reasons. You may need to re-enter your details to complete your renewal.

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