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Rapidly shrinking Insurance Markets
As a Home Medical Equipment Dealer, you
know that today, insurance companies consider
any industry description that contains the word
“medical” as a high premium risk. Moreover, their
standard policy is very often too much money for
too little coverage. What’s worse, many companies
won’t even accept HME risks.
HOMed was designed for HME Dealers
The HME Industry has long sought a custom
tailored, comprehensive insurance package to meet
their specialized needs. HOMed is exactly what
you’re looking for. It was developed by insurance
experts who understand your business and know
what kind of problems you face. Here’s a quick list
of coverage's:
Those “must have” extras:
•For HME Dealers, our definition of “Professional
Health Care Services” has been amended to
specifically cover delivery, assembly,demonstration,
maintenance and instruction in the use of medical,
dental, surgical, nursing or therapeutic equipment,
devices or appliances in the customer’s home.
The most frequent exposure for a dealer usually
involves proper demonstration and instruction in use
of the product. However, most other policies contain a
standard Professional Health Care Service
As a Home Medical Equipment Dealer, you
know that today, insurance companies consider
any industry description that contains the word
“medical” as a high premium risk. Moreover, their
standard policy is very often too much money for
too little coverage. What’s worse, many companies
won’t even accept HME risks.
HOMed was designed for HME Dealers
The HME Industry has long sought a custom
tailored, comprehensive insurance package to meet
their specialized needs. HOMed is exactly what
you’re looking for. It was developed by insurance
experts who understand your business and know
what kind of problems you face. Here’s a quick list
of coverage's:
- Liability: General, Products, Umbrella plus
- Specific Professional Health Care Services
- Property: Building and Contents at cost of
replacement - Time Element Coverage's including extra
expense - Third Party interests can be included when
necessary - Most Package Endorsements available
Those “must have” extras:
•For HME Dealers, our definition of “Professional
Health Care Services” has been amended to
specifically cover delivery, assembly,demonstration,
maintenance and instruction in the use of medical,
dental, surgical, nursing or therapeutic equipment,
devices or appliances in the customer’s home.
The most frequent exposure for a dealer usually
involves proper demonstration and instruction in use
of the product. However, most other policies contain a
standard Professional Health Care Service
Exclusion that eliminates this type of
protection for the HME Dealer!
The Property Extension endorsement
offered by HOMed greatly expands the
Property coverage's available - at extremely
competitive rates!
Some additional coverage's include:
Twelve-month Business Interruption and
Extra Expense / Glass / Valuable Papers /
Money and Securities / Computers /
Property Off Premises / Outdoor Property.
You can broaden your coverage with this
endorsement. Loss Control - While your
General / Product Liability gives you “First
Dollar Defense” protection, the best way to
avoid litigation is to make loss control
an integral part of your operation. Our Loss
Control services are available through your
HOMed Policy.
Important:
Coverage is written by A. M. Best “A” Rated
Company, admitted in all 50 States.
Your liability and professional exposures are
most likely a cause for worry.
HOMed gives you a very important additional
“extra” - Peace of mind!
For further information about your HOMed
Policy Call us:
protection for the HME Dealer!
The Property Extension endorsement
offered by HOMed greatly expands the
Property coverage's available - at extremely
competitive rates!
Some additional coverage's include:
Twelve-month Business Interruption and
Extra Expense / Glass / Valuable Papers /
Money and Securities / Computers /
Property Off Premises / Outdoor Property.
You can broaden your coverage with this
endorsement. Loss Control - While your
General / Product Liability gives you “First
Dollar Defense” protection, the best way to
avoid litigation is to make loss control
an integral part of your operation. Our Loss
Control services are available through your
HOMed Policy.
Important:
Coverage is written by A. M. Best “A” Rated
Company, admitted in all 50 States.
Your liability and professional exposures are
most likely a cause for worry.
HOMed gives you a very important additional
“extra” - Peace of mind!
For further information about your HOMed
Policy Call us:
| Coverage's & Eligibility may vary by State. |
| To obtain a quote for Workers Compensation Coverage Click Here |
| General Liability Products Liability Property Coverage |
| Professional Liability Umbrella Coverage Loss Control |
| Agency License #'s CA - 0E81098, AZ - 905931, CO - 299185, ID - AG157504, OR - 818820 Copyright © 2008 by Byrne - Kim & Assoc Ins Svcs, Inc. |