Hospice Insurance Coverage Checklist
The coverages a hospice business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for hospice agencies. Priorities reflect typical exposure; confirm against inpatient units and facility-based patients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability | Covers care and symptom-management claims. | Core | |
| Regulatory / Billing Errors (E&O) | Covers billing audits and overpayment demands — excluded from professional liability. | Core | |
| Hired & Non-Owned Auto | Covers staff driving personal cars to visits. | Core | |
| Cyber Liability | Covers resident-data breaches and ransomware. | Prevalent | |
| Workers' Compensation | Required in most states — lifting injuries drive claims. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for billing and regulatory actions. Hospice is under heightened federal scrutiny over eligibility and billing, and audits, overpayment demands, and investigations fall outside professional liability. Agencies should carry regulatory coverage, document every prognosis certification, and have counsel review referral arrangements.
Send us the checklist and we'll review your hospice coverage line by line, then market it across multiple carriers that compete for your account.
Related: Hospice Insurance · Hospice Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a hospice business need?
The core coverages for a hospice business are Professional Liability, Regulatory / Billing Errors (E&O), Hired & Non-Owned Auto, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my hospice coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.