Hospice liability insurance programs are a critical layer of protection for end-of-life care providers. The difference between what a family anticipates and what actually happens may be significant, and grieving family members may feel justified in filing complaints or lawsuits. In the last 5 years, more than 3,200 claims have been filed against hospice providers.
Hospice is a blanket term covering a variety of services which may be provided in the patients home, in a rehabilitation or nursing facility, or in a long-term care facility. In addition to pain management and other palliative care, hospice providers offer emotional and psycho social support, coaching for family members involved in care, and bereavement counseling.
What Can Insurance Cover?
Liability insurance for hospice providers should be tailored to the specific needs of a particular provider or facility. Elements of that coverage may include protection against claims based on the following:
- allegations of errors, omissions, or negligence in the provision of care
- allegations of billing fraud and financial impropriety
- on-the-job accidents and injuries to employees
Responding to any of these types of claims may be costly, both financially and in terms of human resources. Hospice liability insurance programs can provide the coverage your agency needs to meet these challenges.