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Social Worker Professional Indemnity Insurance

Easy, quick and personalised business insurance for social workers.

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Trusted by over 23,000 clients for their business insurance
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social worker indemnity and liability insurance

Our business insurance will provide cover for legal fees incurred in the event of claim being made against you by a client.

We understand that independent Social Workers face unique situations and come into contact with a wide range of people every day. From mental health to caring for children and families, our specialist social workers’ insurance covers you for the risks you face on a daily basis.

At Caunce O’Hara we offer protection for a wide range of care roles, including: counsellors, social workers, dieticians, occupational therapists, probation officers and house sitters.

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What is social worker insurance?

Social Worker professional indemnity insurance is designed to protect you against claims of negligence in your work. The indemnity insurance will provide cover to protect you and your business against the legal implications that may arise if you make a mistake during the course of your work and will cover the legal costs and ant compensation awards within the indemnity limit.

Why do social workers need insurance?

Negligence is a broad term and covers a range of possibilities, none of which need to be a deliberate act. As a result, any professional can be accused of negligence. Regardless of whether the claim against you is valid or not, you still need to do something about it, and if you’re not insured it could cost you a lot of money in legal costs to clear your name.

Carrying comprehensive professional indemnity insurance will give you the reassurance that you’re covered for circumstances that are out of your control, allowing you to concentrate on your daily activities.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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Great customer service I’ve been using Caunce O’Hara for my business insurance for several years. Customer service is always excellent! I’d recommend them.
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Efficient and simple A renewal should be a simple process, and it was. Caunce O'Hara kept me informed with updates. I spoke to an advisor who was prompt and efficient. The documentation came through immediately and is clear so I am set up for another year.
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Provided expert advice and offered required cover Have provided cover for several years and always competitive and efficient.
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Frequently Asked Questions

As a social worker or care professional you are employed to help people with social and interpersonal difficulties by helping them cope with, and manage any stresses they may be facing.

With Caunce O’Hara you can build a personalised insurance policy that will provide cover if a claim of alleged negligence in your work is made against you.

A couple of examples could include:

Alleged negligent work

As a social worker you will work with people to find solutions to their problems, which might include helping someone to live independently or helping to protect someone from an abusing situation.

You make recommendations that you believe will improve the life of someone, but the family of the person do not agree and accuse you of offering poor advice. Professional Indemnity insurance would respond to cover you in this instance to cover legal costs to preserve your professional reputation.

Breach of contract

Due to a heavy case-load you miss set agreed visiting dates to your clients resulting in a breach of your contractual obligations. Professional Indemnity insurance would provide cover for this in the event your client made a claim against you.

You cause property damage while in a clients premises

You accidentally knock over a valuable heirloom in a clients’ home while making a visit. A claim is made against you to pursue damages for the damaged item. This instance you would be covered by Public Liability insurance.

With Caunce O’Hara’s online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

An example quote: a social worker who specialises in counselling with an annual turnover of up to £50,000 per annum, with £500,000 indemnity limit in any one claim, would pay £192.00 per annum for professional indemnity insurance. That’s only  £16.00 a month, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 17.11.2021).

Apart from Professional Indemnity insurance social workers and care workers will typically be required to carry Public Liability insurance as part of their contractual obligations.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability, therefore Directors and Officers insurance is a valuable insurance policy which will cover you in this instance, which is provided as part of our Business Combined Liabilities insurance product.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from an IR35 tax investigation.

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Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today