Professional liability concerns plagued each industry, but the types of risks and exposures vary according to the job duties and profession. Social work liability insurance is designed to address the elements of risks most commonly faced in this area of service.
Social Work Risks
The discipline of social work strives to improve the well-being and quality of life for members of the community, as well as at-risk or disadvantaged populations. Even though social workers attempt to help others, the complexities of their work sometimes give rise to liability-based lawsuits for both frivolous and evidence-based claims. Data found on the website for Huntersure LLC suggests that there are tens of thousands of lawsuits filed each year across the industries, with those in social work exposed to this burden as well. The most commons claims filed against those in the industry are below.
- Sexual Misconduct
- Incorrect Treatment
- HIPAA and Lost Data Issues
- Patient Suicide
- State Board Complaints
- Information Breach
- Malpractice and Care Management
Those in social work shouldn’t be surprised at the potential for a liability claim against their services, as today’s society has become increasingly litigious. Rather than struggle to address defense costs, reputation management, or paying out a settlement, speak to your broker about carrying a professional liability policy that addresses the activities and elements of your profession.
Public liability insurance can be a great way to save money by accessing the liability coverage your business needs without overpaying for policy areas where you aren’t going to benefit, but many companies that only need public liability coverage at the beginning wind up evolving into more complex structures, with risk management needs that are also a little more advanced. General liability includes coverage that helps if your employees are injured on-site, as well as protections for liability incurred due to problems in the workmanship when you perform services or make products. Deciding on comprehensive general liability insurance vs public liability coverage can be difficult, which is why resources from experienced providers like www.usrisk.com/ are so useful.
Keep in Touch With Your Insurance Broker
It’s not just the upgrade from public liability to general liability that becomes important as your business grows. You also need to keep up on the value of your coverage to make sure the policies that you have continued to fully cover the risks your business incurs. Even without a need for a wider policy net, an increased volume of business can lead to your needing to expand the policy maximums, tweak your deductibles, or to make other changes. Sometimes, it’s not even about expansion, it’s about record-keeping, like when you need to move coverage onto a new vehicle or end the coverage on the one you’ve sold.
Construction projects involve rigorous planning and laborious work before they are completed. They present endless challenges and often, endless possibilities for injury or destruction of an existing property. With this said, construction liability insurance is a worthwhile investment for any construction company that would like to do business for the long-term. There are many types of construction insurance, and these organizations can choose policies based on individual needs.
Choosing Commercial Auto Coverage
Construction organizations use many different vehicles when transporting equipment and anything else that is needed to complete a project. Commercial auto coverage allows a construction business to rest easy if any of these vehicles are damaged while actively working on a project. The option to add physical damage coverage to the policy is also available through various providers.
General Liability Coverage
Construction liability insurance generally entails necessary forms of coverage. If any property is damaged while working on a project, general liability coverage will cover the costs or at least mitigate most of the liability. The same holds for any injuries to workers or work that becomes defective over time. In terms of injuries, construction organizations usually have separate workers compensation policies for these instances. As for defective work, filing a claim for these circumstances may require more effort because it is difficult to determine why something goes wrong with almost any construction project.
If you are opening a new restaurant, there are a few items of business to take care of before you open the doors to the public. One of the items of business to take care of is to talk to an insurance agent and get the best restaurant liability insurance policy that is possible for your business. The following are two situations when liability insurance could benefit your restaurant.
There are always circumstances which are simply unforeseen. Someone might trip on a rug in the aisle of the dining room. Another person could get food poisoning after eating at your restaurant. When unforeseen situations happen, someone could sue your restaurant. Restaurant liability insurance will protect you in such a situation.
Whether you provide a delivery service, or if you just have a company car that you let your employees use for business meetings and such, if anyone gets in an accident in the company car, they might need help paying for medical costs. You might also need to repair the car. Liability insurance could help to pay the cost if you or an employee gets in a car accident.
There are many other situations when restaurant liability insurance could come in handy. Speaking to an insurance agent could be the next step you need to take in order to get the right coverage for your business.