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Insurance for Social Workers

Instant social workers insurance that combines professional indemnity, public liability and products liability

Starts from $417 per year

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What is covered under this insurance policy for social workers?

Social worker insurance under the allied health professionals insurance covers social workers, home support workers, respite care workers and is designed to include both professional indemnity, public liability and products liability insurance.The policy covers social workers that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your services against any liability if someone is injured on your premises or while you are providing your social work services in Australia.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your social work services in the course of providing your services in Australia.

Third Party Property Damage

Products liability insurance protects you for claims made against your social work services in Australia for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your social work services

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your social work services.

other benefits

Value added benefits of the Social worker insurance policy

Contract Review

This entitles you to four contract reviews each year you have your social worker insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

A social worker working in child protection services does not follow protocols including not visiting children regularly, and properly recording and investigating a thorough risk assessment. Following this inaction, there are new reports of physical abuse on a child living with foster parents. 

Trips, Slips and Falls

While in your care, and after following some mindfulness exercises you’ve recently incorporated into your social work, your client slips on some essential oil bottles you left on the floor and sustains injuries.

Negligence

A social worker working at a correctional institution is assigned a client with behaviour issues. One day, the worker leaves some confidential files on another person unattended and the client gets access to them. Once out of the correctional facility, the client, now on probation, starts stalking the person mentioned in the files. . Their family accuses you of being negligent.

Error of Judgement

A social worker is assigned to a vulnerable client. The social worker is friendly and visits the client at their home, bringing baked goods, and occasionally seeing each other outside of the professional environment. but The client starts becoming needy and clingy and later accuses the worker of leading them on.

Bad Professional Advice

After receiving bad news in your personal life, that leaves you distracted and in a poor state of mind, you go to see a regular client who had recently lost a loved one. You are judgmental and impatient with the grieving client, causing further mental and emotional trauma.

Third Party Damage

While caring for a patient at their home, you end up damaging their fixtures.

exclusions

What is not covered (exclusions) under the Social workers insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Nursing Professional
Disability support workers
Other Support & Care occupations
See More
how upcover works

How upcover works

To get your instant policy quote, all you need to enter is your occupation as a social worker and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get social workers insurance to win that client or to conduct some classes at your new personal training gig, having a certificate of insurance at your fingertips certainly helps!
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With upcover, you can get your certificate of insurance instantly. Even better, you can share it with

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, social worker insurance is the perfect solution for support workers and caregivers.
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FAQs

You asked, we answer

Why is social worker insurance important?

Social workers help us all. Whether individuals, groups and families dealing with tough situations - social workers provide tools and the  support in moments when we need it most. They try to guide people out of problems and may even work with the vulnerable and children to receive protection and support when in need. 

Since the job entails a huge amount of responsibility and uncertain elements, the risk is on the higher side too. Mistakes may happen and things might not go according to plan. If your client or their loved one holds you responsible, it could put everything you have worked for at risk.

Professional Indemnity insurance is included in this insurance in addition to public and products liability insurance. This protects you and your business against any advice you give to your clients. If you're unprotected, you could suffer a devastating financial blow. 

What can a social worker be sued for?

While we hope it doesn't happen, yoga teachers can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored social worker insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under social workers insurance?

1. Nursing professionals
2. Disability support workers
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078