What is NASW malpractice insurance and do social workers really need it?
NASW malpractice insurance is specifically designed to protect social workers from liability claims, covering a broad range of potential allegations such as negligence, errors, omissions, and even frivolous lawsuits.
The insurance aims to alleviate the financial burden and stress associated with defending against such claims, allowing social workers to focus on their practice without the looming threat of personal liability.
NASW recommends that all practicing social workers obtain their own liability insurance, even when employer-provided coverage exists, as it may not fully meet individual liability needs.
NASW Assurance Services offers tailored malpractice insurance options, including coverage for social work students, with a commitment to providing broader protection based on their experience in the field.
Their offerings include retroactive coverage for prior acts, emphasizing their dedication to comprehensive support for social workers throughout their careers.
Social workers who have received their license within the past 12 months are eligible for a 50% discount on the base rate of NASW Assurance Services' malpractice insurance.
Those who have received their license within the past 24 months can receive a 25% discount off the base rate, further emphasizing NASW's commitment to supporting early-career professionals.
NASW Assurance Services' malpractice insurance provides coverage for a wide range of social work practice areas, including clinical, administrative, and community-based settings.
The insurance covers a variety of potential claims, such as allegations of breach of confidentiality, failure to obtain informed consent, and improper handling of client records.
NASW Assurance Services' malpractice insurance policies include coverage for legal defense costs, with no deductible required for the insured social worker.
The insurance also provides coverage for regulatory board complaints and licensing issues, further protecting social workers' professional standing.
NASW Assurance Services' malpractice insurance policies are underwritten by highly rated insurance carriers, ensuring financial stability and reliable coverage.
The insurance offers flexible payment options, including monthly installments, to make coverage more accessible for social workers.
NASW Assurance Services provides risk management resources and educational materials to help social workers minimize the likelihood of liability claims.
The malpractice insurance coverage extends to social work volunteers and those who provide pro bono services, addressing the unique liability concerns of these professionals.
NASW Assurance Services' malpractice insurance includes coverage for telehealth and online social work services, reflecting the evolving nature of service delivery.
The insurance provides protection for social workers who engage in private practice, ensuring they have comprehensive coverage beyond what may be offered by their employer.
NASW Assurance Services' malpractice insurance policies are portable, allowing social workers to maintain coverage as they transition between employers or practice settings.
The insurance includes coverage for personal injury and property damage claims that may arise in the course of a social worker's professional duties.
NASW Assurance Services' malpractice insurance is backed by the organization's decades of experience in advocating for the social work profession and understanding its unique liability needs.