Who insures Home health and hospice?
Home health and hospice is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
6 markets publicly write Home health and hospice: Philadelphia Insurance Companies (PHLY), Pharmacists Mutual Insurance Group (PM Healthcare Protect), Amwins Program Underwriters (Home Health Care insurance program), Admiral Insurance Group, Kinsale Insurance and others. 3 admitted carriers, 2 E&S carriers, 1 program administrator.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Philadelphia Insurance Companies (PHLY) Admitted carrier | Home Health Care/Hospice package with separate limits for General Liability, Professional Liability and Abuse & Molestation (if eligible), Excess Liability with one carrier, special-form property with loss of income, and a separate Directors and Officers Liability policy; its home health care page says it specializes in the Home Health Care Industry for risks across the United States. “Our Home Health Care/Hospice package is insurance uniquely designed to fulfill a wide range of special insurance needs” | not stated | not stated | phly.com · read 2026-10-28 |
| Pharmacists Mutual Insurance Group (PM Healthcare Protect) Admitted carrier | PM Healthcare Protect: professional liability for individual home healthcare professionals (RNs and others) plus general liability, commercial property, cyber, employment practices, workers compensation, commercial auto and umbrella for home healthcare agencies; a companion page offers the same program for in-home hospice providers. “General liability and commercial property insurance for home healthcare agencies” | not stated | not stated | pmuw.com · read 2026-10-28 |
| Amwins Program Underwriters (Home Health Care insurance program) Program administrator | Package P&C program (formerly Smith, Bell & Thompson) for home health care agencies/providers, hospice providers, medical equipment suppliers and companion care providers: professional liability, general liability, employee benefits liability, non-owned & hired auto, crime/fidelity bond, property and excess, on an A.M. Best A-rated carrier. “offers package P&C insurance coverage for home health and hospice providers” | all states except NY (surplus lines in Miami-Dade and Broward Counties, FL) | both | amwins.com · read 2026-10-28 |
| Admiral Insurance Group E&S carrier | Home Health Care professional liability (claims made & reported with incident reporting) and general liability (claims made or occurrence) with hired & non-owned auto and employee benefits liability, primary and follow-form excess; sample classes include Hospice Care, Infusion Therapy, In-Home Cancer Treatment, Skilled Care, Personal & Companion Care and Staffing. “Admiral’s extensive and unique coverage tailored specifically for Home Health Care professionals.” | not stated | not stated | admiralins.com · read 2026-10-28 |
| Kinsale Insurance E&S carrier | Allied Health Division Miscellaneous Medical target classes include Home health care and Hospice care, alongside medical staffing, outpatient clinics, medical transportation and pharmacies. “Home health care” | not stated | not stated | kinsaleins.com · read 2026-10-28 |
| Chubb Admitted carrier | Healthcare organization coverage whose outpatient segment names home health agencies, imaging facilities, dialysis centers and pharmacies; the Outpatient Medical Facilities page lists Home Healthcare Agencies, Hospice Facilities and Staffing/Nurse Registries as classes of business with state-specific new-business applications. “Chubb policies can mitigate a broad range of risks for home health agencies, imaging facilities, dialysis centers” | not stated | not stated | chubb.com · read 2026-10-28 |
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