Employer liability insurance + individual coverage= Necessary?
October 7, 2013 10:59 AM Subscribe
I am a clinical social worker (Therapist/supervisor) and I'm covered by my employer's liability insurance. I've been told it can be helpful to have additional liability coverage. I'm not sure if I need it, and the NASW (Nat'l Association of SW'ers) policy feels scam-my. To get NASW insurance, (the most common insurer for sw'ers), you need to be an NASW member, which is approx $180, on top of paying the policy premium. I don't trust google results because anything could pop up, regardless of quality. Practicing in MN if that's relevant; I also have an adjunct teaching position. IDK if that college has social work liability coverage for clinical staff. 1. Do I need two liability policies? If so, why? 2. Can I get good malpractice/liability coverage independent of NASW?