NASW Insurance Products

NASW provides business insurance — including general, professional and cyber liability insurance coverage — to its members, who are social workers and social service agencies.

General Liability

If clients visit your home or workplace, you require general liability insurance. You could be sued if a client is hurt in your office or while arriving or exiting.

This option protects you and your practice if your company operations cause injury or property harm to others. This coverage offers up to $1 million per occurrence and $3 million per year for property damage, personal and bodily injury, fire legal liability, medical bills and damages to rented premises.

Professional Liability

Behavioral health is a fulfilling occupation, but it’s risky in today’s litigious environment. Behavioral health practitioners face malpractice suits. Even if they’re false or fraudulent, malpractice claims must be defended, and the cost might be prohibitive.

Built-in features include $35,000 of state licensing board defense coverage, enhanced limit options and $5,000 per deposition (up to $35,000 per year) for client deposition expenses.

Cyber Liability

You need cyber liability insurance if you save customer data on your computer, phone or workplace files. You can be sued and fined up to $250,000 for a breach. Your clients can sue you for $25,000, and you risk a 10-year prison sentence.

Coverage includes legal defense costs, fines and penalties, damages, a computer security breach expert audit, client/patient notification charges and ID theft protection subscriptions for victims/clients.

NASW Insurance is a BBB-accredited business with an “A+” rating. NASW also has an “A-” excellent financial strength rating with AM Best.

To get a price, contact an NASW RRG Plan Administrator representative by calling 855-835-2160 or using the website’s contact us tool. You can also email asi@naswasi.org. For professional liability claims, call 855-835-2160. For membership-related questions, call 800-742-4089.

NASW does not offer online quoting. A small business insurance policy’s price can be influenced by factors that the industry, location, gross sales, number of employees, payroll, policy limits, deductible selections and claims history. To discuss your insurance coverage, contact an NASW agent. 

Most insurance companies offer discounts to help you save money on your premium, such as when you bundle policies or finish a safety course. Ask if there are any further discounts or coverages that you could forego to save money. By doing this, you can better understand your coverage alternatives by speaking with an agent.

Policyholders can expect to receive the following benefits from NASW insurance:

• Competitive group rates for social workers and other behavioral health professionals
• 24/7 claims service
• 24/7 account servicing
• Additional resources, including risk management education, continuing education and professional liability enhanced coverage benefits
• Risk management training

NASW Insurance offers a convenient user platform for policyholders to manage their accounts 24/7. From the user portal, you can:

• Call for customer services
• Call to report a claim
• Call for quotes on accident protection, group term life, long-term disability, major medical, dental insurance, vision insurance or supplemental insurance
• Call to join or renew NASW membership

NASW also provides useful resource articles for policyholders on its company blog, resources and reference for teletherapy services, enhanced professional liability coverage benefits and risk management educational events.

NASW vs. Competitors

NASW’s expertise in providing insurance to social workers and social service agencies sets it apart from its competitors. Insurers offering similar business insurance products to social services organizations include The Hartford, Nationwide and Embroker.