What is professional liability insurance for a BCBA?

As awareness and treatment for children on the Autism spectrum increases, the work of Board Certified Behavior Analysts is becoming more common in schools and private facilities. Because BCBAs work directly with students and their families, it’s important for to maintain Professional Liability (or Malpractice) Insurance to protect your career and assets from a potential claim or lawsuit.

See below for additional occupations we insure:

• Licensed Assistant Behavior Analyst
• Licensed Behavior Analyst
• Board Certified Assistant Behavior Analyst (BCaBA)

Why is obtaining a separate BCBA professional liability insurance important?

BCBAs often work in schools or for agencies as independent contractors and may even work in multiple schools or travel to the students’ homes to provide in-home ABA services. An independent contractor will likely not be covered under an employer’s insurance policy, so it’s wise to maintain an individual insurance policy, which will cover you wherever you provide professional services.

Even if you’re a BCBA who is a W-2 employee in a school, the school’s group policy may not provide adequate coverage in the event of a claim or lawsuit. Imagine you have a difficult parent who is unhappy with the recommendations you make in the school, and they threaten to file a lawsuit against you and the school. The school’s insurance policy will have their best interests in mind, not necessarily your personal interests as the employee, especially if they feel you’re responsible.

This is particularly important when you look at why BCBAs may be more vulnerable than other behavior analysis professionals. BCBAs are trained to work with students who have unique behavioral needs, and even with the best interests of the child at heart, contentious situations can arise between parents and the team of professionals. It’s impossible to anticipate every difficult situation that might arise, but you can make sure you’re protected with excellent BCBA Professional Liability Insurance. Here’s where we help.

Here are 3 ways CPH makes BCBA professional liability insurance easy:

1. If you have a question about coverage or the application, give us a call. We’ll have a licensed insurance agent pick up directly (no phone trees).
2. We’ve created a website based on years of servicing BCBAs and their concerns. You can apply online and receive your policy documents electronically.
3. You’re not left in the dark once you have a policy. We offer two free hours of attorney consultations through our Avoiding Liability Helpline to discuss situations with clients that could potentially lead to a claim or lawsuit.

Our coverage is catered to the needs of a BCBA:

• Occurrence form “lifetime” coverage, meaning you don’t need to purchase tail coverage
• Portable coverage: follows your licensure or certification
• Optional General Liability “slip and fall” Coverage and Business Personal Property Coverage (The CPH TOP™)
• $35,000 State Licensing Board Defense Coverage automatically included
• Deposition expense coverage
• A++-rated carrier for Financial Stability by A.M. Best Co.

In a profession where everyday is different and no student is alike, let your insurance be the one aspect that’s simple. It’s peace of mind, it’s confidence, and a quote is just a few clicks away.

If you own a business entity, corporation, or group practice click here to apply for the appropriate coverage.

BCBA Printable Application