Behavioral health is a rewarding career but has risks in today’s litigious society. In recent years, behavioral health professionals have increasingly been subject to malpractice suits. Malpractice claims must be defended, even when they are groundless or fraudulent. The cost of defending yourself in such a lawsuit can be prohibitive.
Consequently, malpractice insurance is no longer just an option; it’s necessary. Even if you do not serve clients directly, you still have a degree of liability risk. Obtain your own insurance rather than rely on someone else. After all, your career and your ability to continue practicing in your profession are on the line.
In September 2012, we launched a new liability insurance program with excellent benefits – The NASW-Endorsed Professional Liability Insurance Program.
There are many built-in benefits, including $35,000 of state licensing board defense coverage, increased limit options, and $5,000 per deposition (up to $35,000 per year) for expenses related to a legal request to provide a deposition on behalf of your clients. Plus, these additional benefits:
- Free risk management helpline
- $25,000 Health Information—HIPAA Privacy Coverage
- $50,000 Medical Payments Coverage (up to $5,000 per incident)
- $15,000 First Party Assault coverage
- $15,000 Emergency First Aid coverage