ASI Staff

Why do I need coverage while I'm in school?
How much coverage can I get as a student?
What is covered with this malpractice insurance program?
How much does this coverage cost?
Am I covered if my school has malpractice insurance coverage for its students?

Why do I need coverage while I'm in school?

Unfortunately, malpractice risk starts while you're in school. Even as a student, you can be sued for malpractice during your duties and field placement as part of your school curriculum. And whether the charges are justified or not, you'll have to defend yourself. And at the start of your career, this is not a risk you should be willing to take.

How much coverage can I get as a student?

With individual student coverage, you can protect your future career and personally protect yourself and possibly your family against costly legal fees and malpractice damages. Select the limit of liability that's right for you. Your liability limit per claim can range from $1 million to $2 million for all damages arising from each claim of wrongdoing or omission. The annual aggregate (maximum) limits range from $1 million to $4 million.

What is covered with this malpractice insurance program?

In addition to the liability limits you select, you may receive other important benefits with your coverage.

  • Designated legal counsel and payment of related defense costs are provided.
  • No deductible insurance against claims from your professional training

Protection against acts occurring during the policy period, even though the claim is submitted after the policy expires.

How much does this coverage cost?

Depending on the liability limit selected, the premium rate ranges between $23 and $41 per year for an individual student.

Am I covered if my school has malpractice insurance coverage for its students?

Yes. If your college or university has professional liability insurance blanket coverage for your school, you are covered under that policy for your practicum work. It is important to know that once you enter the workforce as a professional social worker, though, there could be gaps in coverage offered by your employer. Maintaining your own individual professional liability policy will ensure that you are completely covered.


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