There are a lot of things to consider when you are a social worker. This is especially true if you are a social worker and you are working on some higher risk cases. If you are a social worker and you want to know more about some of the things that will come along with dealing with this kind of liability insurance and property damage. Remember that there are a lot of things that will come along with getting this kind of coverage. However, if you are not quite sure about how it works and you want to get a better idea of how it might be able to affect you, take a look at this potential situation to get a better idea of how it can help you. In doing this, you will be able to see why getting this kind of coverage is a good idea for social workers.
A Social Situation
Let’s say that you are a social worker that is working in the intercity. You get a call from a high risk case that you have been working. It is a young woman who has been on and off drugs and you are helping her get her affairs back in order. You go to the location only to find that she is not home. However, you get a call later on saying that she was home and the next thing to just come in. You tell her that you are really not supposed to do that, but she insists.
The next day, you go back to the place and go in after knocking a few times. She screams and runs you out. You contact your supervisor who tells you that you will have to file a report. Before you get to that, you get a call from a local attorney who says that you are being sued for breaking and entering as well as sexual harassment. Apparently, the whole situation was a set up. They are willing to settle for $100,000, but if you go through with the lawsuit, you will be charged over $400,000. In this kind of situation, your professional liability insurance would come in because you got into trouble while doing your job.
Being a social worker is a very risky game. There is a lot of room for people to take advantage of you and try to get money out of you based on the extenuating circumstances. If you want to know more about what kinds of situations you could find yourself in where you would need some kind of insurance, just open a local newspaper. There are plenty of times where social workers get into trouble because of what they do or what they do not do. They are taken advantage of a lot. Because of this, it is always a good idea to get some kind of professional liability insurance.
Now that you know more about professional liability insurance for social workers, you will be able to make a better determination about whether or not this kind of thing is something that you want. Most people are going to be much better off in helping themselves to this kind of insurance. However, if you do not know if this is the kind of insurance that will be for you that is fine. Just remember that there are a lot of situations other than this one that you could get into that would be disastrous. Just consider it if nothing else. This will prepare you for making an eventual decision.