Social work professional liability insurance in North Carolina

What insurance do NC licensed social workers need?

Core coverages include: professional liability (malpractice), which NC LCSW licensure requires; GL if maintaining an office; cyber liability for client records; and workers comp if employing others. Agency-employed social workers may be covered under their employer's policy, verify the scope of coverage and consider supplemental individual coverage for personal protection.

What does social work malpractice cover in NC?

Social work professional liability covers claims arising from professional social work practice, case management errors, failure to report, improper assessment leading to client harm, breach of confidentiality, supervisory liability for supervised associates, and other professional errors or omissions.

Should NC social workers employed by an agency carry their own malpractice?

Agency policies typically cover the agency, but individual practitioners may not be fully protected, especially in situations where the agency's interests and the practitioner's interests diverge in a claim. Many social workers carry individual malpractice coverage as supplemental protection alongside their employer's policy.

What NC licensure requires malpractice coverage for social workers?

NC LCSW (Licensed Clinical Social Worker) licensure through the NC Social Work Certification and Licensure Board requires proof of malpractice insurance. Requirements vary by license level, verify current requirements with the Board.