Property Insurance and the Role It Plays in ABA Exposures

Property insurance is vital when running any business in any capacity to thrive and avoid liability down the line. Moreover, it became even more prominent when delivering care to your patients. You are an Applied Behavior Analysis (ABA) business, and you have numerous young patients to work with. Therefore, it is best to have adequate insurance coverage in case you face the worst-case scenario.

Why Your ABA Business Needs Property Insurance

You work tirelessly to provide essential services to individuals with autism and other developmental disabilities. Your daily operations involve creating a safe and nurturing environment for your patients, and ensuring the protection of your property should be a top priority. It is where property insurance comes into play.

This type of insurance is crucial for ABA providers, as it safeguards your business assets from risks like fire, theft, vandalism, or natural disasters. By having the right property insurance coverage in place, you can focus on what truly matters – delivering high-quality care to your patients.

Types of Property Insurance to Consider

When considering property insurance for your ABA business, knowing the abundant forms of coverage is essential. Some of the key policies to consider include:

  1. Building Insurance: This coverage protects the physical structure of your ABA facility, including the walls, roof, and fixtures, against perils like fire, storms, or other covered events.
  2. Business Personal Property Insurance: This policy covers your equipment, furniture, supplies, and other assets in case of damage or loss.
  3. Business Interruption Insurance: A vital coverage for ABA providers, this policy helps replace the lost income and covers ongoing expenses if your business operations face disruption due to a covered event, such as a fire or natural disaster.

Risks ABA Providers Face

ABA providers face unique risks due to the nature of their work. Accidents, property damage, or allegations of professional negligence can occur, potentially leading to financial losses or lawsuits. Property insurance is critical in mitigating these risks by providing financial protection.

The nature of ABA therapy involves close interaction between therapists and patients, which increases the likelihood of accidental property damage. Whether it’s a therapist spilling a drink on expensive equipment or accidentally damaging furniture, property insurance can assist in covering the expenses that come with repair or replacement.

Other Insurance Coverages for ABA Providers

In addition to property insurance, ABA providers should consider other essential insurance coverages to protect their business comprehensively. These may include:

  1. Professional Liability Insurance: Also known as malpractice insurance, this coverage protects your ABA business against claims of negligence or errors in professional services, including allegations of inappropriate conduct.
  2. General Liability Insurance: This policy safeguards your ABA business from claims of bodily injury, or a situation where a person not associated with your business causes damage.
  3. Workers’ Compensation Insurance: The law requires this coverage if you employ anyone, and it provides medical expenses and lost wages coverage in the event of work-related injuries or illnesses.


Property insurance is an essential component of risk management for ABA businesses. It provides financial protection for your valuable assets, ensuring that your business can continue smoothly despite unexpected events. By partnering with reputable insurance providers like Olson Duncan Insurance, ABA providers can gain access to tailored property insurance solutions that address their unique needs.

Secure comprehensive property insurance coverage to safeguard your ABA business today. Protect your assets, provide tranquility to your staff and patients, and focus on what you do best – helping individuals with autism thrive and reach their full potential.

About Olson Duncan Insurance

At Olson Duncan Insurance, we strive to offer all-inclusive solutions rather than mere quotes or policies. Our clients rely on lasting, trust-based relationships and appreciate the tailored insurance and risk management solutions they receive. Contact Daniel and our team at (310) 373-6441 to discuss your needs or request a quote.