Social Worker Professional Indemnity Insurance

As a social worker or care professional you are employed to help people with social and interpersonal difficulties by helping them cope with, and manage any stresses they may be facing.

With Caunce O’Hara you can build a personalised insurance policy that will provide cover if a claim of alleged negligence in your work is made against you.

A couple of examples could include:

Alleged negligent work

As a social worker you will work with people to find solutions to their problems, which might include helping someone to live independently or helping to protect someone from an abusing situation.

You make recommendations that you believe will improve the life of someone, but the family of the person do not agree and accuse you of offering poor advice. Professional Indemnity insurance would respond to cover you in this instance to cover legal costs to preserve your professional reputation.

Breach of contract

Due to a heavy case-load you miss set agreed visiting dates to your clients resulting in a breach of your contractual obligations. Professional Indemnity insurance would provide cover for this in the event your client made a claim against you.

You cause property damage while in a clients premises

You accidentally knock over a valuable heirloom in a clients’ home while making a visit. A claim is made against you to pursue damages for the damaged item. This instance you would be covered by Public Liability insurance.

With Caunce O’Hara’s online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

An example quote: a social worker who specialises in counselling with an annual turnover of up to £50,000 per annum, with £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. That’s only  £16.00 a month, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 17.11.2021).

Apart from Professional Indemnity insurance social workers and care workers will typically be required to carry Public Liability insurance as part of their contractual obligations.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.