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.