Healthcare Facility Insurance
Hospice insurance that reflects the realities of end-of-life care
Hospice operations span private homes, contracted facilities, and inpatient units, with volunteers, bereavement programs, and interdisciplinary teams that generic policies were never designed for. We place coverage that fits.
What we place
- Professional & General Liability
Programs covering routine home care through general inpatient, including care delivered in contracted SNFs and ALFs. - Workers’ Compensation
Field clinicians, inpatient staff, and on-call teams classified and priced correctly. - Volunteer & Bereavement Exposure
Coverage that contemplates volunteer programs and bereavement services instead of excluding them. - Auto, Cyber & Bonds
Non-owned auto for field visits, cyber for PHI, and any bonds your operations require.
How we work
Every account starts with a complete, carrier-ready submission. We analyze your loss runs, document your exposures, and write the underwriting narrative before your account ever hits a desk. Then we market it to the carriers and wholesale markets that actually want your class of business and negotiate terms, not just price.
After binding, the work continues: certificates, endorsements, premium audit review, experience mod analysis, and claims advocacy all year. You work with Ari Baer directly, supported by a service team built for the complexity of healthcare facility programs.
End-of-life care deserves insurance placed by someone who understands what hospice actually does.
Exposures We Understand
Underwriting that reflects how you actually operate
Levels of care
Routine, continuous, GIP, and respite each carry different exposure. Your program should distinguish them the way you do.
Contracted facilities
Care delivered inside SNFs and hospitals creates contractual insurance requirements. We keep your certificates and limits aligned.
Volunteers
Volunteers are central to hospice and invisible to most policies. We make sure yours are contemplated, not excluded.
Census swings
ADC changes affect exposure and premium. We structure programs that flex with your census instead of penalizing it.
Medical director
Employed versus contracted medical directors change professional liability structure. We place accordingly.
Interdisciplinary teams
Nurses, social workers, chaplains, and aides all touch the patient. Your coverage should follow the whole team.
Get a quote for your facility
Complete the intake in about ten minutes, or call 818-937-1827.