Hospice Agency Insurance Guide
Hospice agencies — both home hospice and inpatient hospice — face a stricter regulatory environment than home health. Their insurance program reflects that.
Hospice insurance essentials
• General Liability $1M/$2M • Professional Liability $1M/$3M minimum, $2M/$5M common • Workers Compensation • Hired & Non-Owned Auto • Cyber Liability (HIPAA) • Employee Dishonesty Bond • Property + Business Interruption (inpatient hospice) • Sexual Abuse & Molestation Liability (often required by reinsurance)
Medicare Conditions of Participation
Medicare-certified hospices must maintain liability insurance per their state's Medicare Administrative Contractor (MAC) requirements. CMS does not specify exact limits, but most MACs follow the state's home health licensure rules.
Typical 2026 cost
Home hospice agency, 25 caregivers + 5 RNs + 1 MD director: $14,000–$28,000/year total program. Inpatient hospice with a facility: $50,000+/year due to property + business interruption.
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We've written multi-state hospice programs through Beazley, CNA, and Markel. 814-718-0060.
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