If you’re an applied behavior analysis (ABA) therapy provider, you’re already making a difference in the lives of individuals with autism and developmental disabilities. ABA therapy helps clients improve communication, social skills, and daily functioning, giving families hope and support. But while your focus is on helping others, it’s important to think about protecting yourself, your employees, and your business from unexpected risks.
Working in clinics, schools, and clients’ homes presents unique challenges — injuries, liability claims, employment disputes, and even cyber threats. Without the right ABA therapy insurance, a single lawsuit or accident could put your practice at serious financial risk. That’s where specialized ABA therapy insurance comes in.
At Olson Duncan, we understand the risks ABA providers face and offer customized insurance solutions to keep your business secure. With coverage designed specifically for ABA professionals, you can focus on what matters most — helping your clients thrive.
What Is ABA Therapy Insurance?
ABA therapy insurance addresses the specific risks ABA providers face, including professional liability claims, client injuries, employment-related lawsuits, and cyber threats. Unlike standard business insurance, ABA therapy insurance accounts for the challenges of working in multiple environments. Without proper coverage, a single claim could disrupt operations or even force a business to close.
Essential ABA Therapy Insurance Coverages
Understanding the core components of ABA therapy insurance is essential for protecting your business from potential risks.
Professional Liability Insurance
Also known as malpractice insurance, professional liability insurance protects against claims of negligence, errors, or omissions in therapy plans. If a provider is accused of improper treatment, professional liability insurance covers legal defense costs and settlements, allowing the business to continue operating.
General Liability Insurance
Because ABA therapy takes place in various locations, providers need coverage in case a client, visitor, or third party suffers bodily injury or property damage. A slip-and-fall accident or an injury during a session could result in a costly lawsuit. General liability insurance helps cover medical expenses, legal fees, and potential settlements.
Additional Coverages for ABA Providers
Beyond the fundamental coverages, there are additional insurance policies that ABA business owners should consider.
Non-Owned Auto Liability
Many ABA providers travel to client homes using personal vehicles. Non-owned auto liability insurance protects businesses if an employee is involved in a work-related accident while driving their own car.
Sexual Misconduct/Abuse Coverage
ABA professionals work closely with vulnerable populations, making this coverage essential. Even false allegations can lead to significant financial and reputational harm. This policy helps cover legal defense costs and potential settlements, ensuring providers have protection in case of a claim.
Umbrella Insurance
For ABA providers managing multiple locations or high-risk exposure, umbrella insurance offers extended liability protection beyond standard coverage limits.
Other Essential ABA Therapy Coverages
Beyond foundational policies, ABA business owners should consider additional insurance to mitigate workplace risks and operational challenges.
Workers’ Compensation Insurance
Therapists engage in hands-on work that puts them at risk for injuries, including repetitive motion injuries, violent individuals, and accidental falls. Workers’ compensation covers medical expenses and lost wages for employees injured on the job.
Cyber Liability Insurance
ABA businesses handle sensitive client information, making them potential targets for cyberattacks. Cyber liability insurance helps cover data breaches, HIPAA compliance violations, and related legal costs, ensuring businesses can recover without financial setbacks.
Employment Practices Liability Insurance (EPLI)
With demand for ABA specialists on the rise, hiring and managing employees comes with legal risks. EPLI protects businesses from wrongful termination and discrimination lawsuits, wage disputes, and retaliation claims.
Crime Insurance
Financial fraud, employee dishonesty, and theft can impact any organization. Crime insurance provides coverage for stolen funds, unauthorized transactions, and payroll fraud, helping business owners manage financial operations securely.
Olson Duncan’s Commitment to ABA Providers
At Olson Duncan, we understand the unique risks ABA providers face and offer customized insurance solutions to protect their businesses. Our firsthand experience in ABA therapy gives us deep insight into industry challenges.
Beyond cost-effective insurance policies, we provide risk-management services, including:
- Non-owned vehicle risk control plans
- Sexual misconduct guidelines
- Employee safety strategies
Because the ABA industry remains underserved and underinsured, our mission is to provide comprehensive protection so that ABA providers can continue their vital work with confidence.
Why ABA Therapy Insurance Matters
A single lawsuit or liability claim can have devastating consequences for an ABA provider. Without proper insurance, businesses risk financial instability and reputational damage. Comprehensive ABA therapy insurance coverage ensures providers can focus on client care without fear of unexpected legal and financial burdens.
Beyond financial protection, insurance reinforces trust between ABA providers and the families they serve. Parents want to know that their provider is credible, professional, and prepared for unexpected situations. Having robust coverage demonstrates a commitment to maintaining a safe and responsible practice.
Most importantly, the right insurance coverage gives ABA providers peace of mind. Managing a therapy practice is already complex — business owners shouldn’t have to worry about legal and financial uncertainties on top of their daily responsibilities.
Choosing the Right ABA Therapy Insurance
When selecting an insurance policy, ABA providers should evaluate:
- Coverage limits and exclusions: Does the policy fully cover in-home therapy services?
- HIPAA compliance protections: Does it include cyber liability insurance?
- Risk-management support: Does the provider specialize in ABA therapy insurance?
With over 70 years of experience, Olson Duncan is a trusted provider of ABA therapy insurance nationwide. Our policies are tailored to meet the specific needs of ABA business owners, employees, and clients. Contact us today to learn more.
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.