Running an applied behavior analysis (ABA) therapy business means navigating complex risks, both clinical and operational. From in-home sessions to staff travel, every aspect of service delivery brings liability challenges that can’t be ignored. Providers not only work with vulnerable populations but also face ongoing pressure to meet compliance standards, manage employee safety, and protect sensitive data.
For business owners, building a proactive risk management strategy — and backing it with comprehensive ABA therapy insurance coverage — is one of the smartest ways to protect both people and purpose.
Identifying Key Exposure Areas in ABA Services
ABA providers operate in dynamic, often unpredictable environments. Some of the most common risk exposures include:
- In-home services without direct oversight
- Sensitive client-staff interactions
- Employee injuries or burnout from physically demanding roles
- Travel between client locations
- Protection of health information under HIPAA
- Employment-related claims around hiring, discipline, or dismissal
Strategy #1: Set and Enforce Clear Operational Protocols
Risk management begins with clear expectations. Develop and implement written policies covering session procedures, transportation safety, reporting concerns, and escalation processes. Train staff regularly on these guidelines and document everything. Consistency is key.
Strategy #2: Build a Safety Culture Among Employees
Encourage your team to report safety issues or near misses. Promote physical and mental wellness by setting realistic caseloads and break times. Regularly assess the safety of in-home therapy environments, and empower staff to voice concerns without fear of retaliation.
Olson Duncan also provides clients access to safety and loss control services, including tools from carrier partners and ISU Steadfast affiliates. These services help ABA organizations comply with safety regulations, reduce the frequency of injuries, and lower insurance premiums.
Strategy #3: Vet and Monitor Staff
Staff risk begins before the first session. Use thorough background checks, verify credentials, and require valid driver’s licenses and proof of insurance for mobile staff. Once hired, conduct regular reviews and re-training to see to it that staff remain compliant and supported.
Olson Duncan can assist with human resources services that help you navigate employment law, support onboarding, and foster a culture of compliance and productivity, which are crucial elements for reducing liability exposures.
Strategy #4: Know Your Coverage and Close Gaps
Comprehensive ABA therapy insurance coverage is essential. Your core policy should include:
- Professional liability
- General liability
- Non-owned auto liability
- Sexual misconduct/abuse liability
- Workers’ compensation
Additional policies to consider:
- Employment practices liability insurance
- Cyber liability for HIPAA compliance and breach response
- Crime insurance for theft or fraud protection
Cyber liability has become increasingly necessary as ABA providers handle sensitive health data. ABA organizations are considered covered entities under HIPAA, which means they must protect client information, secure privacy, and respond quickly in the event of a data breach. Olson Duncan helps providers strengthen their insurance coverage to comply with HIPAA requirements.
Strategy #5: Partner With a Specialist Who Knows ABA
Most insurance providers don’t fully understand the complexity of ABA operations. Olson Duncan does. Our team has real-world experience with ABA therapy and offers tailored insurance solutions that reflect the realities of your work. We also provide strategic services such as experience modification factor (ex-mod) management for workers’ compensation, claims management advocacy, and ongoing support to help prevent losses before they happen.
Final Takeaways for ABA Business Owners
Every ABA provider assumes risk, but managing that risk is what sets responsible practices apart. Clear policies, a trained and supported staff, and strong ABA therapy insurance coverage together create the foundation for long-term success.
Contact Olson Duncan today to review your current coverage and explore risk strategies that protect your people, your clients, and your mission.
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.