Significant expertise and infrastructure are required to effectively underwrite hospice and palliative care risks — and NIF Group Inc. delivers both. As a dedicated Program Administrator, NIF Group offers a cohesive Hospice Insurance program designed for nonprofit and for-profit hospice organizations. These accounts often involve complex exposures — from volunteer management to professional medical services — so the program emphasizes flexible, tailored protection that agents and brokers can place with confidence.
Hospice providers face a distinct mix of liability and operational risks involving staff, volunteers, and contracted medical professionals. NIF Group’s program combines sector-focused underwriting with broad package options to address those exposures. Whether your client is a small community hospice, a faith-based volunteer-driven program, or a multi-location provider offering in-home and facility care, this solution supports diverse operational models in one policy framework.
Ideal Accounts and Appetite
This program is best suited for nonprofit and for-profit hospice care providers delivering end-of-life and palliative services. Typical accounts include:
- Licensed hospice organizations providing in-home care or operating hospice facilities
- Faith-based or nonprofit groups that rely on volunteer caregiving staff
- Hospices that employ or contract with licensed medical professionals
Example fits: you might have a client who operates a hospice center with a mobile care team and volunteer chaplains, or a rural hospice that relies on independent-contractor nurses. Both are strong candidates for placement through NIF Group’s program.
Coverage Highlights and Advantages
The program is issued as a broad package with optional enhancements to match an insured’s specific exposures. Standard and commonly available coverages include:
- General liability
- Professional liability, including health care liability
- Property
- Auto (including hired and non-owned exposure)
- Crime
- Boiler and machinery
- Umbrella liability
Optional enhancements available to tailor limits and coverage form include:
- Employee benefit liability
- Directors & Officers (D&O) for nonprofits with EPLI
- Sexual and physical misconduct coverage
- Equipment breakdown
Policies can be structured to include volunteers, independent contractors, and medical professionals — a key advantage for providers that rely on mixed staffing models.
Underwriting Notes and Minimum Premiums
NIF Group’s underwriters bring deep hospice and social-service sector knowledge to complex placements. Minimum premiums vary by state, size of operation, services provided, and coverages selected. Underwriting focuses on:
- Licensing and accreditation status
- Scope of services (in-home vs. facility-based care)
- Use of volunteers and contract clinicians
- Risk management practices and incident reporting
For precise minimums and program guidelines, contact NIF Group’s underwriting team or your market specialist.
Territories and Availability
The Hospice Insurance program is available nationwide except for Hawaii and Louisiana. Admitted coverage is available in all eligible states, providing a stable and compliant solution where admitted placements are required. The program is underwritten by Liberty Mutual Insurance, giving agents access to a nationally recognized carrier through NIF Group’s administrative platform.
Why Work With NIF Group Inc.?
NIF Group combines decades of specialty program experience with market access to top-rated carriers like Liberty Mutual. As a Program Administrator, NIF Group offers:
- Specialized underwriting for hospice and palliative care risks
- Flexible package forms and optional enhancements to match real-world operations
- Experience placing accounts that include volunteers and contracted clinicians
- Responsive service and solutions-driven placement support
Whether you are placing a new account or seeking broader coverage for an existing client, NIF Group can be a strategic partner for hospice risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed hospice care providers — both in-home and facility-based — along with nonprofit and faith-based organizations that use volunteers, are strong fits for this program.
Is coverage available for volunteers and independent contractors?
Yes. Policies can be tailored to include volunteers, independent contractors, and medical professionals who provide services for the insured organization.
Which carrier underwrites this program?
The program is underwritten through Liberty Mutual Insurance, offering admitted paper in eligible states.
Are there any states where this program is not available?
Yes. The program is not available in Hawaii or Louisiana but is offered in the remaining U.S. states and Washington, D.C.
What is the minimum premium for this program?
Minimum premiums vary depending on the organization’s size, services, and coverages selected. Contact NIF Group for specific underwriting and minimum premium details.
Need help placing an account? Connect with a market specialist.