Premium Protection for Social Workers

Comprehensive Malpractice Coverage & Premium Protection for Social Workers. One Up-Front Price, No Long Quote Process, and FREE General Liability Included 

Liability Insurance Designed Specifically for Social Workers with an Additional $25,000 of License Protection Coverage

Protecting your clients is everything to you, and that’s something we whole-heartedly understand. At Career Shield Insurance, we admire your commitment to your career and to the clients you serve, so much so that we aim to match that commitment in our own purpose. You put your clients above all else, and that’s something we believe in, too. You are our top priority, and that’s why our premium coverage tackles your career-specific risk to ensure comprehensive support. We understand that the unique risks you face are just that–unique. An any-size-fits-all-career policy simply won’t do. That’s why our social worker liability insurance protects you against the risks you face every single day in your career. 


$299/12 Months

Trusted In Your Industry & Beyond

We’re so glad to have you as part of the Career Shield Insurance team. When you join us at Career Shield Insurance, you join over 300,000 professionals who are receiving the peace of mind, business-building coverage, and best-in-class malpractice insurance they need to succeed. What’s the best part of this coverage? We’re backed by Arthur J. Gallagher, a Fortune 500 global insurance brokerage, and underwritten by Arch Specialty Insurance Group—with an A+ Rating by AM Best.  

Covered Services

Rehabilitation Counselor/ Therapist

Marriage Counselor

Social Worker

School Social Worker

 Premium Social Worker Insurance—Here to Support & Protect Your Growing Career


Professional & General Liability 

Product Coverage

Damage to Rental Premises

License Protection Coverage

Loss of Earnings Coverage

First Aid Coverage

Deposition Expense Coverage

Assault On You Coverage

Good Samaritan Coverage


$1 million per occurrence/ $3 million annual aggregate

$1 million annual aggregate








Social Worker Liability Insurance Coverage–Premium Protection at a Peace of Mind Price

At Career Shield Insurance, we know your social worker career inside and out. That’s why we know a one-size-fits-all insurance policy doesn’t provide you with the comprehensive coverage you demand and deserve. A comprehensive policy means one that addresses your unique risks and specific services. Whether you’re a rehab counselor, school social worker, marriage counselor, rehabilitation therapist, or beyond, your career demands tailor-made coverage that tackles the specific risks associated with your job. Discover how Career Shield Insurance can offer you both the protection you need along with the peace of mind pricing you deserve.

Insurance Policy Highlights


Career Shield Insurance’s social worker insurance coverage was created for social workers. That might sound redundant, but we want to be clear: this insurance was purpose-built to address the risks and services specific to your career. Our umbrella policy doesn’t just protect you against one type of risk; it covers you for a multitude. With our coverage, you’ll get professional liability, general liability, product liability, and so much more. Why does this matter? Because you deserve to be protected from every angle. We’re proud to provide you with an abundance of services, no matter what type of social work you practice.

Premium Protection, Peace of Mind Price—We believe in next-level coverage at a low price. We’re proud to skimp on cost without ever skimping on coverage. With our team, you can rely on comprehensive coverage for premium protection without ever worrying about paying a premium price.

Immediate Coverage—Once you find the perfect coverage, why wait for it to kick in? At Career Shield Insurance, we believe in instant coverage. Once you join our team, you’re covered, with no hoops to jump through or wait times to keep you guessing.

Coverage That Follows You—Whether you switch jobs or switch careers, your insurance will follow you. That means no matter what might change in your career, our policy will have your back as long as you’re a social worker.

No Long Waits–Up-Front pricing —At Career Shield Insurance, we know you’ve got a lot on your plate–that’s why we make our quote process as streamlined as possible. With us, you’ll never have to deal with the back-and-forth process of finding the right price. We offer you upfront pricing and instant coverage every time.


Your coverage is just the start of your benefits. At Career Shield Insurance, we believe in providing for our clients as comprehensively as possible. That means we offer member-only benefits like these:

  • Telehealth – Consult with a physician 24/7/365 via telephone, video, or mobile app without needing health insurance — with only a $10 copay. 
  • MetLife – Get access to affordable group rates for dental and add-on vision plans.
  • VSP – Get up to $300 in savings on eye exams and glasses.
  • Lenovo – Save 30% off the everyday public web price of Lenovo’s entire line of PC products. 
  • UPS – Get special pricing on UPS with 50% off Air, 30% off Ground, and free UPS Smart Pickup® Service. 
  • Office Depot/Max – Get 75% off Office Depot and OfficeMax preferred products. 
  • Rental CarsGet up to 25% off the base rate on Budget and Avis rental cars. 

Do I Need Social Worker Errors and Omissions Insurance?

The short answer to this question is a simple “yes.” The longer answer is “yes, but here’s why.” No matter how skilled you are at being a social worker, the inherent risk you face every single day never truly goes away. If something was to happen–accidentally or allegedly–that liability and everything that comes with it falls squarely on your shoulders. Acknowledging the inherent risk that comes with your career is a good thing. But choosing to protect yourself, your career, and your future against it is the best investment you can make. Thankfully, premium coverage from a reliable provider can change the risk associated with your job. Does that risk disappear with liability insurance? No, it doesn’t. But the repercussions of that risk are mitigated, and you’re protected from what might happen.

Protect Your Social Worker Career Today

Or call (866) 945-1699 to speak to a live insurance representative.

Picking the Best Social Worker Liability Insurance: Frequently Asked Questions

The process of finding the right social worker liability insurance isn’t always simple. Even understanding the ins and outs of social worker liability insurance can be a challenge. If you’re feeling overwhelmed or are not quite sure how to determine the right kind of insurance for your social worker career, read our frequently asked questions below for some insight. At Career Shield Insurance, we’re big on simplifying the insurance process–so if you have a question you don’t see here, don’t hesitate to reach out to our team for guidance.

What Exactly Does Social Workers Liability Insurance Do? How Does it Help?

We always like to describe liability insurance as a safety net. It might sound like a funny analogy–especially if you think you don’t need a safety net–but hear us out. Pretend for a moment that you’re the world’s most famous tightrope walker. There’s no one quite like you, but you’re still performing with a safety net beneath you. Why? Because even though you might never need it, you know the hypothetical fall would be damaging to your and your career, probably beyond repair. It’s highly possible you’ll never trip and fall to the welcoming embrace of the safety net, but wouldn’t you rather know it’s there every single night when you step foot on the tightrope? Liability insurance is exactly like that. You might never need it, but when you do, you’ll be glad it was there.

What Kind of Liability Insurance Does Career Shield Insurance Provide for Social Workers?

Here’s an up close and personal look at how we provide for social workers like you:

  • General Liability: protects social workers like you from claims for injuries or property damage. With Career Shield Insurance, you have a $1 million per occurrence and $3 million individual annual aggregate for general liability claims.
  • Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $1 million per occurrence and $3 million individual annual aggregate.
  • Product Liability: provides protection from an allergic reaction from the use of products in performing your services. You’ll be covered up to $1 million for product liability claims.
  • Rental Damage Coverage: provides coverage for damages you or a client caused to a rented space, up to $100,000.
  • Stolen Equipment: provides $1,000 worth of coverage for any equipment that’s stolen, less a $250 deductible.
What’s the Difference Between Occurrence Form and Claims-Made Insurance Policies?

Don’t let these complicated terms fool you. They’re actually not as confusing as they sound. At Career Shield Insurance, we proudly offer occurrence form coverage for a very distinct reason–ultimate reliability. Occurrence form coverage guarantees that you’ll be protected for the time period in which your policy was active. That applies even if a claim is filed retroactively. That means if someone files a claim against you a month, a year, or several years after your policy with us expires, but the alleged event took place when your policy with us was active, we’ll cover you. And there will be no questions asked. A claims-made policy will not work the same way. Instead, they’ll only take care of you when your policy is active.

My Employer’s Insurance Will Cover Me If Anything Happens—Do I Really Need My Own?

Even if your employer’s policy has a little slice of coverage waiting for you, the truth is that it’s not enough. Don’t misinterpret us; even if your employer has the greatest intentions, their policy is going to do what it was designed to do: protect your employer. And there’s nothing wrong with that. You, like your employer, deserve to be at the center of your coverage. Only your own insurance policy can do that for you.

How Long Does the Quote Process Take With Career Shield Insurance?

We believe in up-front pricing without the back-and-forth process. That means you’ll get your quote instantly and your coverage can begin immediately.

What are your limits for each coverage type?

For professional and general liability, the limit is $1 million per occurrence or $3 million annual aggregate. For product coverage, the limit is $1 million annual aggregate. For damage to rental premises, the limit is $100,000. For license protection coverage, the limit is $25,000. For loss of earnings coverage, the limit is $10,000. For first aid coverage, the limit is $10,000. For deposition expense coverage, the limit is $10,000. For assault on your coverage, the limit is $25,000. For good samaritan coverage, the limit is $25,000. 

If you have questions or concerns regarding any of the limits of your coverage, please contact our friendly customer care team members by calling (866) 945-1699, Monday-Friday, 9 AM to 6 PM EST, or you may email us directly at

Can I purchase insurance online?

You sure can. Our online portal is streamlined and easy to use whenever you want. That means you’ll be able to access our insurance 24/7.

What if I move out of state? Will my Career Shield Insurance still be active?

We believe in flexible insurance that moves with you! That means no matter where you go, our insurance follows you and your career.

Can I speak with a social worker liability insurance expert before making a payment?

Of course. It’s no secret that we want your policy coverage experience to be the easiest, most comfortable experience possible. That’s why our team of experts is ready to answer any of your questions whenever you have them. They are available via telephone at (866) 945-1699, Monday-Friday, 9 AM to 6 PM EST or you may email us directly at