Behavioral Health Insurance Program

Specialized Insurance for Applied Behavioral Analysis (ABA) providers.

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*available in all 50 states

You face unique challenges as an Applied Behavioral Analysis (ABA) provider. The Liberty Company’s Behavioral Health Practice understands these challenges, helping to protect your business.

We have an EXCLUSIVE insurance program designed specifically with the needs of ABA agencies in mind. 

Behavioral Health Insurance Program

Our exclusive program was created for ABA businesses treating neurodivergent children and adults. Get protected against the unique risks your business faces.

Main Coverage Components

Every policy through our program has four (4) main coverage components:

General & Professional Liability

Liability insurance protects against claims of injury/damage by your operations and financial harm from a professional service.

Workers' Compensation

Provides financial and medical benefits to employees who suffer work-related injuries or illnesses, covering medical expenses and lost wages while protecting employers from potential lawsuits related to workplace injuries.

Abuse

This critical coverage responds to allegations of sexual/physical abuse and molestation and provides for defense costs and indemnification.

Auto Liability (Hired & Non-Owned)

Auto Insurance provides liability coverage for bodily injuries or property damage that you or your employees cause while driving for work.

Additional Coverages & Services

How Much Coverage Does Your ABA Agency Need?

At Liberty, our team of experts can help you find the right coverage at the right price for your business.

Coverage Highlights

Our program has been helping ABA agencies like yours manage risk for over a decade. In addition, we also provide a number of valuable services with our program to help ensure your success.

Main Coverage

Policy Limits:
  • Professional Liability ($1M-3M)
  • General Liability ($1M-3M)
  • Abuse and Molestation ($1M-3M)
  • Hired & Non-Owned Auto (Up to $1M)
  • Disciplinary Proceedings (Up to $100K)
  • Umbrella ($1M+)

Value-Added Services

What's Automatically Included:
  • Occurrence-Based Policy
  • Innocent Party Defense for Abuse
  • Automatic Additional Insured Status
  • Blanket Waiver of Subrogation
  • Automatic Coverage for Employees
  • HR Support Tools
  • Risk Management & Loss Control

Subject to change based on policy terms, conditions, and underwriting limitations.

We offer flexible payment options for ABA agencies of all shapes and sizes!

Are you ready to protect your agency against risk? Our seasoned insurance professionals are ready to help.

Property Coverage Enchancements & Limits

Below are the property coverage enhancements available with our plan, and their relevant limits. As with our professional liability coverage, please note coverage and limits are subject to change based on policy terms, conditions, and underwriting limitations.

$10,000

Computer and Funds Transfer Fraud

$50,000

Employee Theft Incl. ERISA Compliance

$10,000

Tenant Glass

$30,000

Forgery and Alteration

$100,000

Sewer Backup

$300,000

Business Income

$50,000

Property of Home Care Provider

$5,000

Identity Theft Expenses

$50,000

Executive Officer Replacement Expenses

When choosing an insurance provider, it’s important to pick a broker and risk management professional who understands the unique needs of your business.

The Liberty Company understands the specific needs of ABA business owners. Our team has years of experience and has crafted insurance and risk management solutions to address specific areas of concern for your business.

Our programs are backed by “A” rated insurance carriers and have been designed specifically with your business in mind.

Because of the high ethical and operational standards imposed on BHCOE accredited providers, you are considered a superior risk to others in the ABA field and may qualify for additional coverage or credits with our ABA insurance program.

We want to become your risk management department. Our services go beyond placing insurance protection. We engage and consult with our clients on how best to protect their businesses.

ABA Risk Assessment

Ready to get started? Please fill out the following fields to get started on the form fill application.

Talk to an expert:
*available in all 50 states
ZoomInfo Form - ABA - Risk Assessment

Application Type

How can we help you?

General Information

Name
Name
First
Last

General Information

Are you a member of CalABA?
Are you BHCOE accredited?

General Business Information

Do you provide any of the following training programs? (Select all that apply.)

ABA Program Information

Do you provide any of the following Behavioral Health Services? (Select all that apply.)
For home-based programs, does your intake process involve questions on the following? (Please select all that apply.)

Employment Information

Which of the following checks are performed on prospective employees?
Do you have any staff members in the following roles? (Please check all that apply.)
Have you hired any independent contractors?
What role(s) are your independent contractors? (Please check all that apply.)

Abuse / Molestation

Do you have any of the following policies or procedures in place for dealing with abuse/molestation? (Please select all that apply.)

Property

Do you have a physical location requiring coverage?
Location Address
Location Address
City
State/Province
Zip/Postal