Providing applied behavior analysis (ABA) therapy is a deeply rewarding profession, helping individuals with autism and developmental disabilities build essential life skills. However, the nature of ABA therapy — especially in-home and community-based services — comes with unique risks. From professional liability claims to employment disputes and cyber threats, ABA providers need comprehensive insurance protection to safeguard their businesses, employees, and clients.
At Olson Duncan, we specialize in ABA insurance services, offering tailored coverage to mitigate risks and ensure providers can focus on delivering high-quality care without financial uncertainty.
What Are ABA Insurance Services?
ABA insurance services are designed to cover the specific risks ABA therapy providers face. Unlike standard business insurance, these policies account for working in diverse settings — clients’ homes, schools, and clinics — where unpredictable situations may arise.
They provide financial protection against liability claims, employee injuries, and cyber threats while supporting risk-management strategies like in-home safety guidelines and misconduct prevention measures. These insurance solutions also help ensure business continuity by minimizing disruptions caused by unexpected legal or financial issues.
Key Components of Comprehensive ABA Insurance Services
A well-rounded insurance plan for ABA providers should address a variety of risks, from professional liability concerns to workplace injuries and operational challenges.
Professional Liability Insurance
Even experienced ABA providers can face claims of negligence, improper care, or harm. Also referred to as malpractice insurance, professional liability coverage helps pay for legal defense, settlements, and judgments, ensuring providers can continue their work with confidence.
General Liability Insurance
Whether therapy sessions take place in a clinic or a client’s home, accidents can happen. If someone suffers an injury or property damage, ABA providers could be held liable. General liability insurance helps cover medical expenses, legal fees, and any resulting settlements from third-party claims.
Non-Owned Auto Liability Insurance
Many ABA professionals use their personal vehicles for work-related travel. If an employee is involved in an accident while driving for business purposes, non-owned auto liability insurance helps protect the organization from potential financial losses.
Sexual Misconduct/Abuse Coverage
Working closely with vulnerable populations presents unique risks. Even false accusations of misconduct can lead to serious financial and reputational harm. This coverage provides support for legal defense costs and settlements related to such claims.
Workers’ Compensation Insurance
ABA professionals face workplace risks, including repetitive strain injuries and incidents involving client aggression. Workers’ compensation insurance ensures that employees receive medical care and wage replacement for job-related injuries while keeping businesses compliant with state laws.
Additional Coverages That Enhance ABA Insurance Services
ABA providers may also need coverage for employment-related risks, cyber threats, and financial security concerns. These policies include:
- Employment practices liability insurance (EPLI): Protects against claims such as wrongful termination, discrimination, and harassment
- Cyber liability insurance: Covers costs related to data breaches, HIPAA violations, and cyberattacks
- Crime insurance: Provides financial protection against employee dishonesty, fraud, and unauthorized transactions
How ABA Insurance Services Protect Providers
Real-world examples illustrate the importance of proper coverage. If a therapist is accused of providing ineffective treatment, professional liability insurance covers legal fees and settlements. If a client suffers an injury during therapy, general liability insurance steps in to manage medical expenses and legal costs.
Beyond financial protection, ABA insurance services strengthen professional credibility with clients and families while offering peace of mind to providers. With comprehensive coverage, ABA therapists can focus on their work without worrying about unexpected legal or financial challenges.
Selecting the Right ABA Insurance Services
Choosing the right insurance provider requires careful evaluation of coverage options. ABA business owners should consider whether policies fully cover in-home therapy sessions, meet HIPAA and industry compliance standards, and offer specialized risk-management support.
With over 70 years of experience, Olson Duncan provides tailored policies designed specifically for ABA therapy professionals. In addition to comprehensive insurance solutions, we offer risk-management programs to help mitigate exposure and ensure ABA businesses stay protected. Our team is dedicated to helping providers navigate the complexities of insurance, providing the expertise and support they need to safeguard their practice.
Protect Your ABA Practice Today
ABA therapy providers dedicate their careers to improving lives, but without the right insurance, a single lawsuit or claim could jeopardize their practice. Olson Duncan’s ABA insurance services offer financial security, risk-management expertise, and peace of mind, ensuring providers can focus on delivering quality care.
Contact Olson Duncan today for a customized insurance review and expert guidance on safeguarding your ABA business.
Olson Duncan
Established in 1945, Olson Duncan Insurance has more than 70 years of experience serving the insurance and risk management needs of California residents and businesses. During our seven decades, we’ve earned the trust of our clients and the outstanding reputation of professional integrity by consistently offering individuals and businesses quality insurance products at fair, competitive prices, backed by exceptionally responsive service.