Home Medical Equipment Dealers Insurance from AFC Insurance Inc.
AFC Insurance Inc. offers a specialized Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This coverage is designed specifically for businesses that sell, rent, or service durable medical equipment (DME), helping agents protect clients operating in this niche segment of the healthcare industry.
Ideal Accounts and Appetite
This program is tailored for Home Medical Equipment Dealers and DME providers. Whether your client operates a storefront supplying wheelchairs, oxygen tanks, and hospital beds, or provides delivery and setup services for in-home care, this program is designed to fit their needs.
Examples of strong risks include:
- A regional DME supplier with multiple retail locations and delivery staff
- An independent dealer providing mobility aids and respiratory equipment for elderly patients at home
Ineligible operations under the broader H&HS program include organizations such as Adoption Agencies (if more than 25% of operations), Assisted Living Facilities, Birthing Centers, Correctional Facilities, and Psychiatric Hospitals. Please review the full ineligibility list to ensure proper fit.
Coverage Highlights and Advantages
The program offers broad, flexible protection for both liability and property exposures associated with home medical equipment operations. Coverage includes:
- General Liability and Professional Liability
- Package Policies with Property and Auto (restrictions may apply)
- Umbrella Coverage options
- Abuse & Molestation coverage
- Coverage Endorsements and Enhancements, including:
- Volunteers & Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on account size, services offered, and state. AFC works with multiple carriers to provide competitive and flexible solutions. The underwriting team understands the unique risks associated with the DME industry and is ready to review a wide range of submissions.
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.
Status is admitted in most available states, offering agents a stable and trusted solution for their DME clients.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. brings expertise and focus to the Health & Human Services sector, offering tailored programs for niche markets like home medical equipment dealers. As a Program Administrator, AFC provides underwriting guidance, access to multiple carriers, and responsive service—helping agents secure the right coverage for specialized risks. If you have clients in the DME industry, AFC is a strong partner to help you place and service that business.