Home Medical Equipment Insurance
Please contact Rob Hammett in our office for further information on this product. We offer a program specifically designed to provide Home Medical Equipment (HME) Dealers and Durable Medical Equipment (DME) Dealers a custom-tailored, comprehensive insurance package to meet the industry’s specialized needs. Eligible operations include medical equipment dealers that sell and rent disposable and non-disposable items. Typical types of products include beds, crutches, walkers, wheelchairs, portable oxygen tanks and other medical equipment. Through our success in working with DME and HME dealers, a new program had been created to include Orthotic and Prosthetic facilities. Please contact us for more detailed information on this program.
The most frequent exposure for a dealer involves proper demonstration and instruction in the use of the product. However, many policies contain a standard “Professional Health Care Services Exclusion” that eliminates this type of protection for the Home Medical Equipment (HME) Dealer. Our carrier’s definition of “Professional Health Care Services” specifically covers delivery, assembly, demonstration, maintenance and instruction in the use of medical, dental, surgical, nursing or therapeutic equipment, devices or appliances in the customers’ home.
Our carrier also offers a unique property extension endorsement that simplifies your property coverage needs by combining several key exposures into one comprehensive form.
- Commercial General Liability
- Employee Benefits Liability
- Umbrella/Excess Liability