Home Medical Equipment Dealers Insurance from AFC Insurance Inc.
AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home.
Ideal Accounts and Appetite
This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients.
Good-fit examples:
- A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs.
- An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients.
- A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients.
Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission.
Coverage Highlights and Advantages
AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include:
- General Liability and Professional Liability designed for product sales, rentals, and service work
- Package policies that can include Property and Auto (subject to carrier restrictions)
- Umbrella Liability options for excess protection
- Abuse & Molestation coverage where applicable
- Endorsements and enhancements such as:
- Volunteers & Independent Contractors treated as insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
Underwriting Notes and Minimum Premiums
Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review.
Territories and Availability
The program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is admitted in most available states, providing agents access to admitted paper where required.
Why Work With AFC Insurance Inc.?
As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business.