Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products.
Ideal Accounts and Appetite
The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include:
- Medical equipment rental and leasing stores
- Home health equipment dealers and suppliers
- Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products
Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures.
Coverage Highlights and Advantages
Commercial General Liability
- Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate
- $5,000 in medical payments—automatically included
- Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice
- Excess/Umbrella limits accessible up to $25,000,000
- No liability deductible required
- Optional additional insured endorsements available for $100 each
Crime
- Theft of money and securities inside the premises
- Robbery and safe burglary coverage for other property
- Coverage can extend to certain incidents occurring away from the premises
Property
- Available on Basic, Broad, or Special Form
- Building, contents, inventory, and computer equipment
- Business income and equipment breakdown coverage options
- Accounts receivable and valuable papers
- Outdoor signs and replacement cost options
Underwriting Notes and Minimum Premiums
Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles.
Territories and Availability
This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk.
Examples you might place through this program:
- A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers.
- An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties.
Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited.
Is Errors and Omissions (E&O) coverage included?
E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice.
Are mono-line or package policies available?
Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier.
What carrier options are available?
Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy.
Need help placing an account? Connect with a market specialist.