Applied Behavior Analysis Insurance Coverage Checklist
The coverages an applied behavior analysis business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for ABA providers — clinic, in-home, school, and telehealth. Priorities reflect typical exposure for this class; confirm against your actual services and payers.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Behavior Analysts & RBTs) | Covers claims that treatment caused harm — confirm every BCBA, BCaBA, and RBT is a named or blanket insured. | Core | |
| Abuse & Molestation Liability | Covers abuse and improper-restraint claims involving clients who often cannot report what happened. | Core | |
| General Liability | Covers injuries to clients and families at the clinic and on community outings. | Core | |
| Workers' Compensation | Covers staff injured by client aggression, lifting, and restraint. | Core | |
| Billing Errors / Regulatory Coverage | Covers defense of payer audits and Medicaid billing investigations; ABA billing is a federal audit target. | Prevalent | |
| Cyber / Privacy Liability | Covers breaches of client health records and session data. | Prevalent | |
| Hired & Non-Owned Auto | Covers staff driving their own cars to home and school sessions. | Prevalent | |
| Employment Practices Liability | High RBT turnover brings wage, discrimination, and wrongful-termination claims. | Prevalent | |
| Umbrella / Excess Liability | Adds limits over GL, auto, and employer's liability. | Situational | |
| Business Property / BOP | Covers clinic furnishings, therapy materials, and equipment. | Situational |
The coverage gap most often missed
The gap most often missed by ABA providers is billing and regulatory coverage. Most of the work is billed to Medicaid and commercial autism benefits, and federal auditors found at least $56 million in improper Indiana ABA payments, nearly all tied to missing documentation, and $18.5 million in Wisconsin. Professional liability policies often do not pay to defend a payer audit or cover repayment demands, so ask about a billing errors or regulatory endorsement and audit session notes before claims go out.
Send us the checklist and we'll review your applied behavior analysis coverage line by line, then market it across multiple carriers that compete for your account.
Related: Applied Behavior Analysis (ABA) Insurance · Applied Behavior Analysis Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an applied behavior analysis business need?
The core coverages for an applied behavior analysis business are Professional Liability (Behavior Analysts & RBTs), Abuse & Molestation Liability, General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my applied behavior analysis coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.