ABA therapy organizations handle highly sensitive personal data — from behavioral assessments to health records — often stored and transmitted digitally. Providers must balance client care with regulatory compliance, whether services are delivered in clinics, homes, or via telehealth. Unfortunately, as reliance on digital tools grows, so does the risk of cyber threats.
At Olson Duncan, we understand that protecting client data is essential to maintaining trust and meeting HIPAA requirements. That’s why ABA liability insurance should always include robust cyber liability coverage.
The Digital Risk Landscape for ABA Providers
Cyberattacks in healthcare are on the rise. Due to limited cybersecurity infrastructure, ABA providers, especially small to mid-sized practices, may be frequent targets. Common threats include:
- Ransomware that locks access to files until a payment is made
- Phishing emails that trick staff into revealing login credentials
- Social engineering scams designed to bypass security protocols
- Unauthorized access to cloud storage, email, or EHR platforms
Your exposure to these threats multiplies as your team grows and depends more on digital communication and remote access.
HIPAA Compliance and ABA Practices
ABA providers are classified as covered entities under HIPAA, which means they are legally obligated to safeguard electronic Protected Health Information (ePHI). Key requirements include:
- Encrypting sensitive files and communications
- Limiting access to client data
- Having a breach response plan in place
Violations can result in hefty regulatory fines, legal costs, and long-term damage to your reputation.
What Does Cyber Liability Insurance Cover?
A comprehensive cyber liability policy fills the coverage gap left by general liability and malpractice insurance. It typically includes the following.
First-Party Coverage for Your Business
- Data restoration and recovery of corrupted files
- Notification and credit monitoring for affected clients
- Reimbursement for business interruption and lost income
Third-Party Coverage for External Claims
- Legal defense against privacy lawsuits
- Coverage for regulatory fines and penalties
- Settlements or judgments from affected parties
Why General ABA Insurance Isn’t Enough
Many ABA business owners assume that their general or professional liability insurance includes protection against cyber incidents, but it doesn’t. Cyber liability is a separate coverage designed to respond to data breaches and digital threats. Without it, you may be left to pay out of pocket for costly investigations, legal fees, and client notifications.
Risk Management Tips To Strengthen Protection
Even with insurance in place, good cyber hygiene is essential. ABA organizations can reduce exposure by:
- Encrypting files and using secure digital platforms for client information
- Training staff to identify phishing attempts and use strong, unique passwords
- Restricting data access to only those who need it
- Performing regular audits of data practices and breach response protocols
Working with an insurance partner who understands the ABA space and its digital challenges is critical to safeguarding your organization.
Olson Duncan’s Commitment to ABA Providers
Olson Duncan specializes in customized insurance solutions for ABA organizations nationwide. Our team helps providers evaluate risk, select appropriate cyber liability coverage, and stay compliant with HIPAA and industry standards.
Because of our experience with ABA clients, we proactively monitor emerging cyber threats and adjust coverage to match real-world risks. With Olson Duncan, you get more than a policy — you get a partner in protection.
Final Takeaways for ABA Business Owners
Cyber liability is no longer a “nice to have.” If you store or send client data digitally, you need targeted protection.
Make sure your ABA liability insurance includes cyber liability coverage — and that your policy is designed for the real risks you face.
Contact Olson Duncan today to review your ABA insurance policy and strengthen your cyber risk strategy.
About 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.