Hospice Insurance

Overview — AFC Insurance Inc. Hospice Insurance Program

AFC Insurance Inc. offers a dedicated Hospice Insurance program designed for agents placing liability and property packages for hospice providers and related programs. This program focuses on the exposures unique to hospice care — end-of-life services, chronic and terminal illness care, volunteers and independent contractors — and provides flexible package and endorsement options through a variety of carrier partners.

Ideal Accounts and Target Classes

This program is a fit for traditional hospice operations and similar specialty providers. Typical eligible classes include:

• Hospice organizations
• Care for AIDS/HIV patients
• Chronic illness care for any age
• Terminally ill patient care

Note: Home health care accounts are generally ineligible under this program.

Coverage Highlights and Advantages

AFC’s Hospice Insurance program offers a broad set of coverages tailored to common hospice exposures. Highlights include:

• Package options combining General Liability, Professional Liability and Abuse & Molestation coverages
• General & Professional Liability with optional endorsements for volunteers and independent contractors as insureds
• Optional Key Employee Replacement endorsement
• Optional Extended Coverage endorsement with Blanket Additional Insured wording
• Umbrella/excess layers and Property limits for owned locations and contents
• Auto coverage, where acceptable (some restrictions may apply)

Carriers vary by risk and territory, allowing flexibility for admitted and non-admitted placements depending on state availability and the account profile.

Common Exposures This Program Addresses

• Professional liability arising from medical or hospice care decisions
• Abuse & molestation allegations involving staff, volunteers, or contractors
• Premises liability for inpatient or day-use facilities
• Property damage to owned or leased buildings and contents
• Auto exposures for patient transport or staff vehicles
• Financial loss related to key staff absence

Underwriting Notes and Minimum Premiums

Underwriting focuses on demonstrated clinical controls and risk management. Key factors underwriters evaluate include licensing and accreditation, staff-to-client ratios, staff training and background checks, clinical protocols, documentation standards, volunteer screening, and prior loss history.

• Ineligible: traditional home health care operations (refer to program for nuance)
• Size and scope: both small community hospices and larger multi-site providers may qualify depending on controls
• Minimum premium: Varies by carrier and territory — refer to AFC for current minimums and tiering

Territories and Availability

The program is available in most states. Current territories include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Because carriers and admitted status vary by state and account characteristics, submit core details early (limits requested, payroll/revenue, services provided, staff counts, loss runs) so AFC underwriters can route to the right market.

Why Place Hospice Business with AFC Insurance Inc.?

AFC combines program administration expertise with access to multiple markets that write hospice and specialty health & human services accounts. Agents benefit from tailored endorsement options (volunteers, independent contractors, key employee replacement), flexible placing options across admitted and non-admitted carriers, and an underwriting team familiar with the clinical and operational risks hospice providers face.

Example Scenarios

• You have a small community hospice that provides in-home end-of-life care and engages screened volunteers. The program can consider a package with professional liability, volunteer coverage endorsement, and limited auto exposure.
• You represent a single-site inpatient hospice that needs property coverage plus primary professional and general liability with an abuse & molestation sublimit. AFC can evaluate available carriers and optional umbrella capacity.