The Hartford doesn’t offer professional liability insurance for social workers online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Professional Liability Insurance for Social Workers?
Social work professional liability insurance is a type of business insurance coverage designed to help protect you from claims related to the professional services you give to clients and patients. It can help safeguard your practice against:
- Negligence
- Errors
- Omissions
- Misrepresentation
- Breach of contract
If you’re practicing privately, this is just one type of insurance that’s important to have. As a business specializing in social work, liability insurance can help protect you from claims that you caused bodily injury or property damage.
Other common types of insurance for social workers can include:
- Business Owner’s Policy (BOP)
- Cyber insurance
- Workers’ compensation insurance
Why Is Insurance for Social Workers Important?
Social work liability insurance is a collection of coverages designed to help protect your practice from claims that it caused bodily injury or property damage to someone else’s belongings. A single allegation, whether it’s tied to a custody recommendation or a misinterpreted interaction, can put your reputation on the line.
That’s why it’s important to get the insurance coverage you need to address your specific risks. Even a relatively minor issue, like a lost phone or a visitor slipping on your property, could drain your finances and disrupt your business. Whatever happens behind the scenes, insurance can help you keep doing what you do best: showing up and advocating for the people who count on you.
The right type of insurance can help protect you from the unique risks that come with:
- Supporting clients through crisis, trauma and life transitions
- Making high-stakes decisions in complex family, legal or care situations
- Managing confidential case notes, assessments and client data
Insurance Coverage for Social Workers
If you’re practicing privately, the right insurance coverage is essential to the success of your business. Since every social worker faces unique challenges, having an insurance plan that addresses your specific needs can give you peace of mind. Many social workers have a Business Owner’s Policy (BOP) because it combines three types of coverage to help protect your practice from everyday risks:
General liability insurance helps protect you from claims that your practice caused bodily injury or property damage to someone else’s belongings.
Commercial property insurance helps protect the owned or rented building that you operate from, as well as the tools, inventory and equipment you rely on. These can include:
- Computers
- Furniture
- Tablets
- Decorations
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by wind, theft or fire.
It’s important to know that a BOP won’t cover every kind of claim your practice faces. You may need other types of insurance to create well-rounded protection, such as:
How Much Does Social Worker Insurance Coverage Cost?
What you pay for insurance will vary because every social worker has unique needs. Insurance companies may consider several factors when determining the cost of your coverage, including:
- Where you’re located
- Type of coverage
- Your claims history
- Coverage limits you select
To find out your social work insurance costs, get a free online quote through Tivly.
Get Support You Can Count on With Social Worker Insurance
Find protection for your practice, your clients and your peace of mind. Get a quote for social work liability coverage through Tivly.
Last Updated: January 12, 2026
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
Additional disclosures below.