Lawsuits are

embarrassing…

and expensive

 The strong personal commitment which professional mental health care demands, involvement with people, their situations and their environment, can place your Agency, its officers and employees in a vulnerable legal position. More important, individual professionals can be sued for an alleged error or negligent omission. The Agencies they represent can also be held responsible for allegations made against these professionals.

In recent years, court judgments in such cases have increased alarmingly. Any suit brought by one of your Agency’s clients, even though it may be groundless, false, or fraudulent, must be defended.  The cost of such a defense can be excessively high.

That is why American Home Assurance Company, in consultation with N.A.S.W., has developed the Social Service Agency Professional Liability Insurance Program to protect your Agency and its employees. This custom coverage has been designed to fit the special needs of any qualified Agency. (Note: Availability of the policy is not limited to N.A.S.W. members, and no additional financial transaction other than arrangements for payment of the premium are required for purchase of the insurance.)

Our flexible,

low-cost coverage

features:

n Specially designed no-deductible protection against claims which arise from professional
    services by your Agency, including the Agency’s liability for acts of employees.

n Your Agency is insured in its own name and the policy covers individual employees while
    working under the auspices of the Agency. In the event of a professional liability suit against

    the Agency and an employee on your staff, the policy will protect both.

n This blanket protection includes employees, directors, trustees, and executive officers while

    acting within the scope of their duties as such.

n The Agency is protected for volunteers and students and they are protected personally.

n Protection for acts occurring during the policy term even though the claim is made after the

    policy expires.

n An automatic coverage of additional employees hired during the policy term.

n Employed psychiatrists may be included except in Pennsylvania.

Psychiatrists are not covered unless you tell us about them in the application and a premium charge is shown for them in the policy. Physicians (other than psychiatrists) cannot be covered.

Get a Quote  


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AGY-1 (7/98)

Since every Agency is different, we tailor our premium to fit your operation and employees. 

Simply complete the attached application and return it to us. We will provide a quote to you immediately. We do require the completed application before quoting.

Please make sure all questions are answered fully and complete information is provided under Question 4 for each employee.

Submission of an application does not bind the company to either quote or accept the risk. 

Any additional information that is pertinent to any question regarding your operation should be included.

Students and volunteers are protected personally.

 

Independent Contractors/Consultants are NOT personally protected by this policy unless required by the insurance carrier. The Agency is always protected for their acts while doing work for the Agency.

We do require a copy of all promotional or descriptive brochures.

All policies will become effective on the first day of the month following the date the completed application is approved and premium is received. Consideration will be given to those applicants requiring a date other than the 1st of the month, however no policies will be back-dated. Please make this request when the application is submitted.

Note: Policy coverage, terms, and conditions are only briefly outlined here. For complete provisions, please refer to the policy
            itself.  A copy is available upon request.
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