Who we insure
Insurance for Hospice and Palliative Care Providers
Hospice teams care for patients and families at the hardest time of their lives, often managing controlled substances in the home. Expectations are high and claims can be emotional, so coverage needs to fit the work.
This page is for
- Medicare-certified hospice providers
- Community-based and home-based palliative care programs
- Inpatient hospice units and hospice houses
- Bereavement and volunteer programs
Your risks
The risks we plan around
Family dissatisfaction claims
Allegations about pain management, delayed visits or communication at end of life.
Controlled substances in the home
Diversion allegations and medication errors involving opioids.
Volunteers
Volunteers should be covered as insureds for liability and, where possible, accident medical.
Staff injury and driving
Lifting, home visits at all hours and long drives in rural areas.
Recommended coverage
How we'd build your program
Every organization is different; this is where we start the conversation.
Professional Liability
EssentialCore coverage for clinical care and family claims.
General Liability
EssentialInjuries and property damage in homes and facilities.
Workers' Compensation
EssentialRequired by law; significant injury exposure.
Abuse & Molestation
Usually recommendedVulnerable patients and one-on-one care.
Hired & Non-Owned Auto / Commercial Auto
Usually recommendedStaff driving to visits, often long distances.
Cyber Liability & HIPAA
Usually recommendedEMR, billing and remote access.
Crime & Theft of Client Property
Worth consideringPatient property and controlled-substance-related theft.
Umbrella & Excess Liability
Worth consideringHigher limits for facility contracts and auto exposure.
Contract requirements
What facilities and payers typically require
Requirements vary by contract. Paste yours into our checker and we'll compare it to your coverage.
- Professional and general liability, often $1M / $3M
- Additional insured status for nursing facilities where you serve residents
- Workers' comp with waiver of subrogation
- Cyber/privacy coverage under business associate agreements
FAQ
Hospice insurance questions
Are our volunteers covered?
They can be. Many healthcare policies include volunteers as insureds. We confirm it and can add volunteer accident coverage.
We contract with nursing homes to serve their residents. What will they require?
Usually additional insured status, specific limits and a waiver of subrogation. We'll review the agreement and issue certificates quickly.
We run a palliative care program alongside our hospice. Is it covered?
It should be, but check the policy's description of operations and professional services. Palliative visits for patients who aren't on the hospice benefit are sometimes left off. We make sure both programs are named.
Do you insure stand-alone palliative care programs?
Yes. Community and home-based palliative care has the same in-home exposures as hospice: clinical judgment calls, controlled substances, driving and vulnerable patients. We place it the same way.
Get your quote in a few business days
Quotes in a few business days. Questions answered by Misty, not a call center.
Talk to Misty
Call or text Misty directly. You'll talk to the person who knows your account, not a call center.
- Call(435) 216-6749
- Text(435) 216-6749
- EmailMisty@snowcanyoninsurance.com
- HoursMon–Fri, 9am–5pm Mountain · Closed Sat–Sun
- MailPO Box 25, Santa Clara, UT 84765