Know the business. Then the risk.
Insurance built from the operation outward.
The strongest program starts with how your organization works: where people operate, what contracts require, which assets matter most, and where a disruption would hurt.
Start a conversationExposures we examine
Details change the program.
- Professional liability for BCBA treatment plans and RBT-delivered sessions
- Abuse and molestation allegations in one-on-one care with children
- Staff driving personal vehicles between homes, schools, and clinics
- Employee injuries from client aggression, lifting, and floor-based work
- Protected health information in EHR, scheduling, and billing systems
- High RBT turnover, drive-time pay, and employment claims
Commonly coordinated coverages
A coverage list is not a recommendation by itself. Limits, forms, exclusions, contracts, locations, and loss experience all matter.
What we look at
Where aba & behavioral health programs get specific.
Professional liability that reflects how ABA is delivered
BCBAs design and supervise treatment while RBTs, BCaBAs, and trainees deliver much of the care. Underwriters will want to understand supervision ratios, credentialing, documentation, and which roles are covered under the practice’s policy. We review how the policy defines insured persons so the people providing services are addressed.
- Entity coverage plus employed BCBAs, BCaBAs, and RBTs
- Supervision, treatment-plan, and documentation practices
- Parent training, telehealth, and school-based services
Abuse and molestation: read the policy, not the summary
Many general and professional liability forms limit or exclude abuse and molestation claims. For providers working one-on-one with children, this is often one of the most important coverage questions—and one payers and school districts frequently ask about. We look at whether the coverage is included, sublimited, or separate, and how defense costs are handled.
- Hiring, background check, and training procedures
- Two-adult, open-door, and session-observation policies
- Incident reporting and documentation
In-home, school, community, and center-based care
Where sessions happen changes the exposures. In-home and community services mean staff driving between appointments and working in settings you don’t control. Clinics add premises, sensory equipment, and property. Many practices do both, and the program should reflect the actual service mix.
Staff driving their own cars
When an RBT or BCBA causes an accident while driving between client sessions, a claim can reach the practice. Personal auto policies may respond differently to business use. Hired and non-owned auto liability is commonly considered for practices with mobile staff, along with driver and mileage policies.
Payer, network, and contract requirements
Commercial health plans, Medicaid programs, school districts, and landlords often set minimum insurance limits and certificate requirements before credentialing or contracting. We help you review those requirements, line them up with your program, and issue certificates when contracts call for them.
Workers’ comp, employment, and data
Behavior technicians can be injured during challenging behaviors or while lifting and working on the floor. Rapid hiring and turnover can lead to employment claims, and wage-and-hour questions around drive time are common in the field. Session notes, diagnoses, and billing data are protected health information, which makes cyber coverage worth reviewing.
Questions we hear
Frequently asked questions
What insurance does an ABA therapy practice need?
Most practices review professional liability, general liability, abuse and molestation coverage, workers’ compensation, hired and non-owned auto, cyber, and employment practices liability. The right mix depends on your service settings, staff, contracts, and state requirements.
Does professional liability cover RBTs?
It depends on the policy. Some forms cover employed RBTs and other staff as insureds; others are written differently. Review how the policy defines who is insured.
Is abuse and molestation included in general liability?
Often it is excluded or limited. Many behavioral health providers need it addressed through a specific endorsement or a separate policy. Check the forms rather than relying on a summary.
Do payers require specific insurance limits?
Many commercial plans, Medicaid programs, and school districts set minimum professional and general liability limits for credentialing or contracting. Requirements vary, so check each contract.
Do in-home ABA providers need commercial auto?
If the practice doesn’t own vehicles, hired and non-owned auto liability is commonly considered to address staff driving their own cars for work. Practices that own vehicles typically need commercial auto.
A better submission
Give underwriters a clear view of the risk.
We organize the operational story, current coverage, loss information, schedules, and relevant controls before approaching appropriate markets. That helps the conversation focus on underwriting fit—not missing information.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.