The social worker cannot assume that her/his employer will assume liability and that the employer’s liability insurance will extend to the social worker employee. The employer‘s priority is to the employer, as is the employer’s liability insurance policy. That is why it is imperative for you, the social worker, to assess all of the risks and perils, and then buy your own professional liability insurance. When you do the risk analysis of your practice activities, you may learn that you also need General Liability and/or Cyber Liability insurance coverage as well as Professional Liability coverage.
