Professional Concepts Insurance Agency (PCIA) Blog

Business Insurance in Michigan for Social Workers

11/18/2011 5:15:00 AM

 Social_work.jpg

 via nyu.edu

When it comes to business insurance in Michigan, social workers in private practice have specialized needs. Prior to establishing your practice you may have been covered by the insurance of your employer, but once you step out on your own, insurance becomes your responsibility.

One of the most important types of insurance for social workers is disciplinary defense coverage. Your standing with the Board of Social Work is vital to your career. In the event that a client or patient files a complaint against you, you can quickly rack up legal fees defending yourself during the necessary hearings. Without disciplinary defense coverage, you may not be able to afford the level of defense you would hope to have in those circumstances.

You may also benefit from having coverage for situations involving slander, libel, and privacy violation charges. Such attacks on character can greatly affect a career.

Wrongful acts coverage is also a good idea for those in your occupation. As a social worker, especially if you deal with mentally disturbed or unstable individuals, there is always a risk of your treatment decisions becoming an issue. Defending allegations of improper diagnosis, treatment without proper consent, or failure to prevent harm to the patient or others can be costly.


Your private practice also faces some of the more traditional risks covered by business insurance in Michigan. Social workers about to enter into private practice are welcome to speak to one of our agents about planning appropriate coverage. With Professional Concepts Insurance Agency, you can get the coverage you need for your small business. Contact us today for more information!

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