A child, a therapist, a closed door, and no third witness.
Business insurance for play, behavioural and ABA practices — built around the abuse allegation exposure that defines working one-to-one with children.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What play and behavioural therapy businesses actually need.
Sexual abuse & molestation
Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organisation working with children, patients or vulnerable adults will be asked to carry it by name.
Without it — This is the coverage the class exists around, it is excluded by standard general liability, and every serious funder requires it.
Professional liability
Covers the advice, the drawing, the diagnosis — the work itself, rather than someone getting hurt on your premises.
Without it — Treatment approach, assessment and progress reporting are professional decisions open to challenge.
General liability
Third-party bodily injury and property damage — the line nearly every contract names by default.
Without it — A child injured in the playroom is a premises claim, and equipment is part of the treatment here.
Hired & non-owned auto
Covers vehicles the business does not own but its people drive on the job — rentals, and employees running errands in their own cars. Their personal auto policy will not cover a business trip, and the claim lands on the business.
Without it — In-home behavioural staff drive their own cars to clients continuously.
Workers compensation
Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
Without it — Behavioural incidents injure staff, and this class has real frequency.
Employment practices liability
Wrongful termination, discrimination and harassment claims brought by your own employees. General liability specifically excludes these.
Without it — Large, young, high-turnover behavioural staff teams generate employment claims.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — Records about children are the most sensitive data a small practice holds.
Kevin Kelsey
Founder | Principal Agent
Owned and ran a home health agency before insurance. That is where the allied health exposures were learned first-hand rather than from a rate manual — the vendor packets, the abuse and molestation requirement, staff driving their own cars to clients, and the he-said/she-said nature of a claim arising from one-to-one direct care where nobody else was in the room.
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What play and behavioural therapy operators ask us.
Why is abuse coverage non-negotiable in this class?
Because the work is one-to-one with children, frequently behind a closed door or in a family home, and an allegation has no third witness. General liability excludes abuse in most forms, so a practice without the separate coverage has no defence funding for the claim most likely to end it. Regional centers, districts and insurers contracting behavioural services all require it.
How do I protect the practice as well as the child?
The same measures do both, which is the useful part. Written supervision and chaperone policies, observation windows or recorded sessions where appropriate, contemporaneous session notes, two-deep staffing where practical, and a documented hiring and screening standard. Underwriters ask about all of it, and it is what defends an allegation later.
Do you write ABA agencies with staff in family homes?
Yes, and the in-home model is the harder one to place because supervision is remote and the driving exposure is constant. It is placeable when the supervision structure is described properly — ratios, remote oversight, incident reporting — rather than left for an underwriter to assume the worst about.