Section 3.02.05: Malpractice and Liability Insurance
Social work students are covered for malpractice under the University of Michigan's policy, but not general liability insurance. Malpractice insurance protects and covers the student in cases of professional negligence or misconduct which results in mental or physical injury to a client. It is focused on the student's professional interactions with client systems. Students pay for this coverage in their fees when they register for field education courses. Coverage applies to all enrolled students while acting within the scope of university-sponsored activities including course-related activity to complete their degrees. The university's self-insurance program is permanently funded, non-cancelable, and provides limits in excess of $1,000,000 each occurrence and $3,000,000 annual aggregate.
General liability insurance covers one for personal negligence or misconduct which results in injury to another. Examples are auto insurance, homeowners insurance, or business (agency) insurance, which covers the individual or field site for injuries occurring as a result of the failure to meet reasonable standards of care and conduct. If the field site does not provide general liability insurance for students, it is the student's responsibility to obtain this insurance, if desired. Questions regarding this policy should be directed to the University of Michigan Risk Management Services, (734) 764-2200, or http://www.finance.umich.edu/risk-management