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The ABA Insurance Specialists

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Applied Behavior Analysis

At ISU-The Olson Duncan Agency, we are equipped to help you manage and mitigate specific risks unique to the field of ABA Therapy Services. We understand ABA providers are faced with numerous exposures. In-home services put you and your staff in an uncontrolled environment which can present challenges and potential insurance claims. There are also insurance requirements you must meet to be credentialed with health insurance providers or to become contracted with school districts. We provide cost effective insurance options and free risk management services to help you deal with the following parts of your business:

  1. Non-owned auto insurance risk control plan
  2. Sexual misconduct guidelines and procedures
  3. Employee safety, wellness, and injury prevention tips

What kind of insurances do ABA providers need?

  • Professional Liability – This provides coverage for professional acts, errors, and omissions. This is
    also the coverage required by health insurers for ABA providers to become credentialed.
  • General Liability – Provides coverage for accidental property damage or bodily injury of others for
    which you are negligent.
  • Non-owned Auto Liability – Non-owned auto liability protects ABA providers from lawsuits which
    can arise out of employees driving during employment. This coverage is secondary to the
    employee’s personal auto insurance. This coverage is vital for ABA providers due to the amount
    of driving by employees during work hours.
  • Sexual Abuse/Misconduct – Working with children is common in the field of ABA so we
    recommend carrying coverage for any allegations of sexual abuse or misconduct.
  • Workers Compensation – Required by law in most states, this coverage is for employees who
    become sick or injured within the course of employment.

Other coverages to consider:

  • Employment Practices Liability – Insurance that covers wrongful acts arising from the employment process. Common claims include but are not limited to: wrongful termination, wrongful demotion, various types of harassment, retaliation, and discrimination.
  • Cyber Liability – Covers claims from cyber-attacks such as ransomware, social engineering, and
    other phishing schemes. ABA providers are also required to be HIPAA-compliant so their cyber
    coverage should address this. Cyber liability should also have a first-party data breach
    component which covers costs to restore corrupted files and notify clients that might have been
    affected by a breach.
  • Crime – Addresses the most common threats to organizations, including losses due to employee
    dishonesty, credit card forgery, computer fraud and theft, and the disappearance or destruction
    of property.

First-Hand Experience

When a close family member was diagnosed with Autism Spectrum Disorder (ASD) three years ago, I knew our life would change dramatically. We started to look for ways that we could best support them given the new diagnosis. It became clear to us that ABA Therapy was a key component to providing this support. Since starting that journey three years ago, we have seen first-hand the benefits of ABA Therapy and what it can do for people on the autism spectrum. During this time, I have witnessed how ABA Therapy works on a clinical level, but also observed several risk factors associated with the daily operation of the business. Our agency was given the opportunity to review the insurance for multiple ABA providers, whose sizes varied from no employees to several hundred employees. Despite having numerous exposures and specific needs, we have found that the ABA industry is both underserved and underinsured. It has become our goal to change that.

Daniel Whallon, CLCS
ISU Insurance Services- The Olson Duncan Agency

Great resources related to ABA:

Our agency is committed to ABA Therapy Providers, and to that end we want to provide you with an additional resource to help you with everything related to administration and operation of your ABA business. Kim Finger has an extensive background in the field of ABA and provides multiple services specific to ABA businesses including HR, coaching, billing, and more. We encourage you to visit the ABA Building Blocks website and contact Kim directly for more information.

ABA Building Blocks-
Kim Finger, Ph.D.
Chief Executive Officer
Phone- 833-4ABABiz

Our Value

At ISU-The Olson Duncan Agency, we look to provide clients with a total solution, not simply a quote or an insurance contract. Our goal is to provide real value and build a long-term relationship based on trust. This is underscored by the fact that we provide our clients with their risk management and insurance solutions, including property & casualty, employee benefits and personal insurance. To find out more about how we can help you, call us at (310) 373-6441.