Home Medical Equipment

Policies Home Medical Equipment Providers Can Trust

Home medical equipment providers are essential to serving millions of patients across the country. From providing the right equipment to allow seniors to maintain independence and age in place, to providing complex rehab equipment for those with limited mobility, your business is essential. We recognize that at VGM Insurance, and can provide you with customized solutions to make sure you’re fully covered so you can continue to serve your patients with peace of mind. If you’ve got questions about the coverage you need, don’t worry. We’ve been serving the industry for over 30 years and will guide you through the process. Get started by clicking the button below to contact us and get your free quote.

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Who Should Get Home Medical Equipment Insurance?

We offer specialized, full-line coverage to a wide range of businesses in the home medical equipment industry. We pride ourselves on providing tailored solutions for the unique needs of every provider. Check out the list below to see who our Home Medical Equipment (HME) program is designed for.

Home Medical Equipment Providers
Home Accessibility Contractors
Respiratory Providers
Sleep Study Clinics
Complex Rehabilitation Providers
Post-mastectomy and Women's Health Boutiques

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Workers’ Compensation Program

We live HME. This industry is our everyday. We understand the complexities and hazards of providing medically necessary equipment in the home unlike any other insurer. This intimate knowledge is what allows VGM Insurance to offer protection beyond the policy. And it brings you a Workers’ Compensation program with competitive pricing, streamlined processes, and customer service you won’t find anywhere else. Click the button below to learn more about our Workers' Compensation program and to start the quote process today.

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Home Medical Equipment Coverage Options

Offering protection beyond policies is our mantra at VGM Insurance. Not only do we provide the most comprehensive, full-line coverage options, but our in-house risk management experts and claims team is here to help you manage your risk and defend your business as well. Our HME coverage options include:

Woman's hand writing in a note book taking notes on home medical insurance coverage

Flexibility: We can work directly with your current broker.
Enhanced Coverage and Competitive Pricing: Our programs are designed by industry experts, providing the coverage your business needs at competitive prices.
Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your business.
Risk Management Expertise: Access to our full portfolio of risk management resources helps you manage your risk and defend your business.

Program Highlights

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HME Insurance Program FAQs

What is home medical equipment (HME) insurance?

Home medical equipment insurance is a specialized type of business insurance designed to protect companies that sell, rent, deliver, or service medical equipment used in patients’ homes. Coverage is tailored to the unique risks HME and DME providers face, including equipment delivery, in-home setup, professional services, and patient interaction. This type of insurance helps protect your business from liability claims, property losses, and operational disruptions.

What types of businesses are considered home medical equipment providers?

Home medical equipment insurance is designed for a wide range of healthcare-related businesses, including:

Home medical equipment (HME) and durable medical equipment (DME) suppliers
Respiratory and oxygen providers
CPAP and sleep therapy providers
Complex rehabilitation and mobility equipment providers
Home accessibility and home modification contractors
Post-mastectomy and women’s health boutiques

If your business provides medical equipment, supplies, or related services outside of a traditional healthcare facility, HME insurance is typically recommended.

Why do HME providers need specialized insurance coverage?

HME providers face risks that are not fully addressed by many standard business insurance policies. These risks can include patient injury claims, professional liability related to equipment setup or instruction, delivery vehicle accidents, and losses involving valuable medical equipment inventory. Specialized HME insurance helps ensure your coverage reflects the way your business operates and provides protection where generic policies may fall short.

Is home medical equipment insurance required by law or Medicare?

Insurance requirements can vary based on state regulations, contractual obligations, and participation in programs such as Medicare. Many HME providers are required to maintain specific coverages, including general liability and workers’ compensation insurance, to satisfy licensing requirements or contractual agreements. Carrying appropriate insurance also demonstrates financial responsibility and sound risk management practices.

What insurance coverage do HME and DME providers typically need?

Most home medical equipment providers carry a combination of coverage options to address different business risks, including:

Commercial General Liability for bodily injury and property damage claims
Professional Liability (Errors & Omissions) for claims related to equipment setup, instruction, or professional services
Property Insurance for buildings, inventory, and medical equipment
Business Auto Insurance for vehicles used to deliver or service equipment
Workers’ Compensation for employee injuries sustained while working
Excess or Umbrella Liability for additional protection beyond primary liability limits
Directors & Officers and Employment Practices Liability coverage for management-related and employment claims

Coverage needs may vary depending on the services you provide, the number of employees you have, and the scope of your operations.

Does HME insurance cover equipment delivery and in-home setup?

Yes, a properly structured home medical equipment insurance program can help address risks associated with delivering, installing, and setting up equipment in patients’ homes. Coverage may help protect against vehicle-related incidents, accidental property damage, and liability claims arising from equipment installation or education provided to patients and caregivers.

Does home medical equipment insurance include product liability coverage?

Product liability coverage is an important consideration for HME providers that supply medical equipment, mobility products, respiratory devices, and other patient-use items. This coverage can help protect your business if a claim alleges that a product caused injury or property damage because of a defect, malfunction, or other product-related issue.

How much does home medical equipment insurance typically cost?

The cost of HME insurance varies based on several factors, including the size of your business, the types of equipment you provide, delivery and service operations, employee count, claims history, and the geographic areas you serve. Because every provider's risk profile is different, most insurance programs are customized to reflect each business’s unique needs and exposures.

Can HME insurance help protect my business from cyber and data risks?

Many home medical equipment providers collect and store sensitive patient information, process electronic payments, and rely on connected technology systems. Coverage options may be available to help address cyber risks such as data breaches, ransomware events, business interruption, and privacy-related liabilities. This protection is especially valuable for businesses that store or transmit protected health information electronically.

How do I get started with home medical equipment insurance?

Getting started typically begins with a consultation to review your business operations, services, inventory, and risk exposures. Based on that information, an insurance professional can help develop a customized coverage solution that aligns with your business goals. Many HME providers start by requesting a quote or policy review to confirm their current coverage adequately protects their organization.

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Home Medical Equipment Insurance