https://completemarkets.com/company/afcins/home-medical-equipment-dealers-insurance/
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.
Frequently Asked Questions
What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples.
Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting.
What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured.
Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required.
Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/afcins/senior-living-communities/
AFC Insurance Inc. offers a focused insurance solution tailored to the unique needs of Senior Living Communities. This specialized program provides Property and Auto coverage exclusively for facilities that serve aging populations, such as retirement communities, age 55+ housing, and senior living centers. As a program administrator with access to a variety of carriers, AFC is positioned to help agents and brokers secure competitive coverage options for these niche risks.
Ideal Accounts and Appetite
This program is designed for non-medical senior facilities, including:
Senior Living Communities
Retirement Communities (55+)
Independent Living Facilities
Note that this program does not include General Liability or Professional Liability coverage. It is best suited for accounts focused on property management and transportation exposures, rather than hands-on healthcare or caregiving services.
For example, you might have a client that owns a gated retirement village with a small fleet of shuttle vans for resident transportation—this program can address the property and auto risks for that type of exposure.
Coverage Highlights and Advantages
Property Coverage – Protects buildings, contents, and equipment specific to senior housing operations.
Auto Coverage – Designed for owned and operated vehicles used for resident transport, deliveries, or facility operations.
Access to multiple carriers ensures flexibility and market competitiveness.
Because the program is focused and streamlined, it can be a strong fit for brokers looking to quickly address core insurance needs without bundling unnecessary coverages.
Underwriting Notes and Minimum Premiums
Minimum premiums vary and depend on the size and scope of the facility, property values, and vehicle exposures. AFC evaluates each submission on its own merits and seeks clean, well-managed risks that meet program criteria. Facilities with significant healthcare or skilled nursing operations may need to be placed elsewhere.
Territories and Availability
This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC writes on an admitted basis in many of these states. Agents are encouraged to inquire about state-specific availability and underwriting appetite.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. brings targeted expertise and a streamlined underwriting process to hard-to-place classes like senior living. As a program administrator, AFC leverages strong carrier relationships to deliver tailored solutions for niche commercial property and auto exposures. Whether you're placing a single-location senior community or a multi-site retirement real estate operator, AFC gives you the tools to meet your client’s needs with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for non-medical senior living communities, such as retirement communities for residents 55+ and independent living facilities with on-site amenities but no skilled nursing care.
What coverages are included in this program?The program offers Property and Auto coverage only. General Liability and Professional Liability are not included.
Can I place accounts with shuttle or facility vehicles?Yes, Auto coverage is included and can accommodate transportation exposures such as shuttle vans used for resident transport.
Is this program available in my state?The program is offered in most U.S. states, including CA, TX, FL, NY, and many others. Contact AFC to confirm availability in your specific state.
What is the minimum premium requirement?Minimum premiums vary depending on the risk profile, property values, and vehicle count. AFC evaluates each submission individually.
Need help placing an account? Connect with a market specialist.