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Malpractice risk starts during social work education. That's why the National Association of Social Workers Insurance Trust offers specially designed student/school social work professional liability protection.

Individual coverage protects the student directly as the policyholder. To be eligible for individual coverage, a student must be enrolled in a Council on Social Work Education accredited social work degree program (or a program approved for candidacy) and be a student category member of the National Association of Social Workers.

The Trust has negotiated low premium rates for the individual student program and increased the amount of insurance available.




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Student Liability Application

Student Professional Liability Insurance Program

1. Who is eligible for coverage?
2. Who provides the coverage?
3. How soon will insurance coverage begin after the application is submitted?
4. How much does this coverage cost?
5. Will this insurance cover me if I get a part time job?
6. Where do I mail my application and/or check?
7. Who can I call if I have additional questions?
 

Who is eligible for coverage?

To be eligible for individual coverage, a student must be enrolled in a Council on Social
Work Education accredited social work degree program, or a program approved for candidacy. The Student must be a member of NASW at the time the application for
coverage is made.
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Who provides the coverage?

The NASW Insurance Trust's program is underwritten by the American International Group (AIG). AIG is one of the strongest, largest, and well-respected insurance companies in the world. It is the 15th largest insurer in the world and has over $58 billion in assets. AIG has the top rating awarded by A.M. Best Company, as well as Standard & Poor's.
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How soon will insurance coverage begin after the application is submitted?

Students must be members of NASW before applying for the individual student coverage. Once a student becomes a member of NASW, it can take up to six weeks to obtain coverage, so it is important for students to plan ahead. Usually insurance coverage begins
the first day of the month following acceptance of the application. This process normally
takes two to six weeks to complete following receipt of the application.
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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.
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Will this insurance cover me if I get a part time job?

No, the student liability program is designed to cover the risks associated with field study placement only and does not cover employment related activities. If you get a job working
in the field of social work that is not part of your school-sponsored curriculum, you will
need additional coverage for those activities. You may apply for an individual social worker professional liability policy or you may be able to obtain coverage through your employer. The NASW Insurance Trust offers significant discounts on premium rates for new graduates under our professional liability program.
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Where do I mail my application and/or check?
Applications, payments and correspondence to the program administrator should be
directed to:

The American Professional Agency
95 Broadway
Amityville, NY 11701

Who can I call if I have additional questions?

If you have questions, please call our program administrator, the American Professional Agency, at 1-800-421-6694 or 631-691-6400 and ask to speak to the social work department. They will be happy to answer all your questions.
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NASW-IL
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©2005 National Association of Social Workers - Illinois Chapter. All Rights Reserved.