As a social worker, you have dedicated your career to helping individuals and families in times of crisis. Unfortunately, even when you have the very best of intentions, a single mistake or false accusation of wrongdoing can put you at risk of significant legal complications.
With professional liability insurance, social workers in Ontario can avoid being held responsible for thousands of dollars in legal fees and damages in the event of a negligence claim. Even if a claim is completely unfounded, social workers often find themselves shouldered with burdensome claims not covered by traditional insurance coverage.
Common Risks for Social Workers
In a field that carries so much responsibility and such high emotions, clients can be quick to point fingers when they don’t see progress being made or feel their stability is deteriorating. As a mental health professional, you understand how easy it can be to start throwing out accusations in times of turbulence, so it is important to be sure you are properly protected.
Take a look at some of the most common types of claims in which professional liability insurance (also known as errors and omissions insurance) protects social workers as well as some sample scenarios:
Your client has made a malpractice allegation to your organization and your organization’s insurance does not cover legal fees for employees.
You made typos or other errors on a previous document and now a client or organization is holding you liable.
Breach of privacy
A high-profile client believes that something he or she has shared with you has become public thanks to your negligence and is blaming you for damage to their reputation.
Of course, you know better than anyone the complexities of this ever-changing field, and the above examples are only a small sampling of the types of claims that can be levied against social work and mental health professionals.
Who Does Cover Advantage Protect?
The mental health field is one that is still evolving, and new roles are being defined all the time. While social services professionals are united by their desire to improve lives for clients, there are a wide variety of job titles associated with the field.
Take a look at a small sample of social work roles that can benefit from E&O insurance coverage.
Clinical case managers
Holistic care associates
Community health workers
Bottom line: if you work with individuals, families, or communities to improve mental health or facilitate mental or emotional development, you could be putting yourself at risk if you are not properly insured.
Get a Quote. Get Covered.
Everyone has their own reason for becoming a social work professional. No matter what drew you to the field, the work you do is important and changes lives every day. Don’t let a single mistake or false claim stop you from helping the people who need you most.
Get a free quote today and secure E&O coverage completely online in minutes.