Case Manager Liability Insurance in California
Quick answer: Case managers and care coordinators can quote professional liability instantly. Coverage responds to allegations that your coordination caused harm, including missed referrals, delayed placements, inadequate discharge planning, and confidentiality or benefits errors, and it pays defense costs. Hospital, insurer, and agency policies cover their own work, so independent, contract, and consulting case management needs your own policy.
What it typically costs
Commonly a couple hundred to several hundred dollars per year for $1M/$1M, subject to underwriting
Pricing is not published by profession, so the only real answer comes from running a quote with your state, hours, and work setting. Factors that move the number:
- Credential: RN, LCSW, CCM, CRC, or unlicensed coordinator
- Setting: hospital, health plan, workers' comp, elder care, or independent consulting
- Client population, including Medicare, Medicaid, and catastrophic injury cases
- Whether you negotiate placements, authorize services, or handle protected health information
- Limits required by the contract or payer, and claims history
What to confirm before you buy
- Individual coverage for independent, contract, and consulting work
- Confirmation that field visits and home assessments are described
- Confirmation that HIPAA and privacy-related allegations are addressed
- A certificate naming the health plan, hospital, or attorney client when required
- Documented referrals, follow-up attempts, and care plan communication
Coverage is typically claims-made. The policy in force when a claim is reported responds, and the retroactive date determines which past work is covered. Policy language controls.
How to get your case quote
- Open the instant application with the button above.
- Select the Case Manager Group when the form asks for your profession or program group.
- Enter your state, work setting, hours, and claims history.
- Review pricing and limits, then bind online or call us first.
If a facility, payer, or client contract requires a specific limit or certificate wording, call (888) 998-7742 before you buy so we can confirm the policy you are purchasing will satisfy it. PRIA Brokers is appointed with CM&F Group for these programs and also places coverage with more than 50 A-rated carriers.
Frequently asked questions
Quick answers from our brokers. Anything else, we're a phone call away.
Do case managers need their own liability insurance?
If you work as an employee, the employer's policy may respond during assigned duties. Independent consultants, contract case managers, and anyone coordinating care for attorneys or private families are usually asked for their own policy, and it protects you if a client names you personally.
How much does case manager liability insurance cost?
Many case managers pay a couple hundred to several hundred dollars per year for $1,000,000 per claim / $1,000,000 aggregate. Credential, setting, and claims history affect pricing, and any figure is indicative and subject to underwriting.
What claims do case managers actually face?
Allegations commonly involve a missed or delayed referral, an unsafe discharge or placement, a benefits or authorization error, a lapse in communication with the family or treating provider, or a privacy complaint. Your documentation of referrals and follow-up is the core of the defense.
Is case management for attorneys covered?
It can be, but legal nurse consulting and litigation support are sometimes treated differently from clinical case management. Tell us if you work for law firms so the policy and any separate consulting exposure are addressed correctly.