Anybody that works in a health related profession knows that having the right insurance cover is essential and often even a legal requirement. These types of policies need to cover important things like liability and malpractice amongst others, and also a Counselor Insurance should include this. Everybody that works in some shape or form as a counselor, and that includes also social workers, should make sure they have the right choice of insurance cover.
People in medical professions are at a high risk of getting sued by their clients and patients, no matter if they done something wrong or not. The time it takes to proof ones innocence can be enough to cause financial distress or even bankruptcy for the affected professional. And if a case goes to court, the costs for lawyers, expert witnesses and the like can be truly astronomic.
Having the right counselor insurance doesn’t prevent from making mistakes, but it can reduce the effects of said mistakes. To choose the right type of insurance it is important to inquire first, if one is employed, what is covered and what not, by an existing company or group insurance. It will be cheaper to take out an additional policy that just covers the missing bits. If one is self-employed a full cover is needed. By comparing prices and policies from different providers it is possible to find great deals on counselor insurance that don’t compromise the quality of the insurance cover, nor cost a fortune in monthly premiums.