Professional Liability Insurance Frequently Asked Questions
Who is eligible for professional liability coverage?
All social workers who have a social work degree are eligible for coverage. An applicant whose highest degree is a BSW and who is in direct clinical/therapeutic or independent social work is eligible as long as he/she has supervision by a professional with at least a Master's degree in a mental health field. For questions about eligibility, call us at 855-385-2160.
Do I need to be licensed to get the insurance?
In most situations, yes. However, not all social workers need a license in their home state to practice in a specific field. Please call for more information if you are unlicensed.
What is Claims-Made coverage?
A Claims-Made policy will cover you for alleged incidents that happen between the enrollment date and expiration of your policy, but claims must be reported while the policy is in force. Extended Reporting Endorsement, or Tail Coverage, is necessary to protect you against claims reports presented after the policy expires.
What is an Extended Reporting Rider or a “tail?”
An extended reporting rider or “tail” allows you to stop your policy, but still, have coverage for future claims that are made based on events that occurred during the time period your policy was in force. A “tail” protects you for practice activities during the time that your policy was in force. If you retire, or if you become disabled, the “tail” is offered to you at no cost.
How do I apply?
Why are my premium rates increasing every year?
How much insurance do I need?
What happens if I need to change my policy before the renewal date?
Please call our member care unit for assistance 855-385-2160 or renew your policy at renew your policy online.
Who can I call if I have additional questions?
If you have questions, please call 855-385-2160. We will be happy to answer all your questions. You can also email us at [email protected].