ABA providers and special education organizations deliver clinical services in homes, schools and clinics — which means your coverage has to follow your staff wherever the work happens.
Your team works in family homes and on school campuses. Coverage that assumes a single fixed location can leave the actual work uninsured.
Claims in this field usually allege that the care or the treatment plan itself caused harm — that is professional liability territory.
Direct, unsupervised contact with minors is precisely the exposure abuse and molestation coverage exists for, and it is the coverage most carriers decline to write.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
