Durable Medical Equipment Insurance for Dealers – PA


Hornafius Insurance Agency provides tailored Durable Medical Equipment, or DME Insurance, that addresses the specific risks that those in the durable medical equipment industry face on a regular basis. Our program is specifically designed to protect businesses that are involved in the sale, rental and servicing of durable medical equipment.

Examples of Durable Medical Equipment include:

  • Wheelchairs
  • Hospital beds
  • Home oxygen supplies
  • CPAP machines
  • Walkers
  • Canes
  • Nebulizers
  • Infusion pumps
  • Commode chairs
  • CPM machines
  • Braces for arms, legs, back and neck
  • Patient lifts
  • Glucose control stations

Who Needs Durable Medical Equipment Insurance?

If you are in the business of selling, renting or servicing durable medical equipment then you need protection against lawsuits and protection against loss to your business property. Durable medical equipment providers can find themselves without proper coverage when a lawsuit arises claiming that someone was injured as a result of advice or guidance given to the injured party with regard to the medical equipment that they purchased or rented from your business. What can happen is that an insurance company can claim that this advice or guidance was actually a professional service and therefore their general liability policy is not going to cover the loss and that a professional liability policy should have been purchased.

In fact many of the government programs will not list your business as a provider unless you can provide them with proof that you have both general liability and professional liability.

Hornafius Insurance Agency offers a DME Insurance program that targets a broad range of services and products that cater to those in the industry. This includes distributors, retailers and service contractors that sell or rent durable medical equipment for home placement in order to facilitate rehabilitation, treatment and ongoing care.

Our program can be designed to cover all of the following exposures:

Better Safe Than Sorry

Your durable medical equipment business is far more than just another business. Your customers really depend on you to provide them with the equipment that they need as well as your expert advice and guidance on what equipment will meet their needs the best. It is that relationship that you have with your clients that you should be focused on, not your insurance program. However, if your current Durable Medical Equipment Insurance program has gaps you could be facing an unexpected loss for which there is no coverage. Such losses could be sizable enough to put you out of business and then your customers will suffer when you cannot provide them with the service they deserve.

Don’t allow this to happen to your business! Make sure that you are operating with an insurance program that is specifically designed for you and your industry. Call Hornafius Insurance Agency today to get started on a quality insurance program that will protect your business and keep you operating for years to come. Quality service and insurance protection don’t have to cost an arm and leg; in fact, you’ll be surprised at how inexpensive our program can be.

Hornafius Insurance Agency Inc: Your Insurance Specialists

We are a leader in professional liability and general liability. Located in Elizabethtown, Pennsylvania, we have been providing insurance for almost 100 years. From our humble beginnings as a home business in the early twentieth century to the growing agency we have become, we have the knowledge and experience that allows us to provide our customers with the best comprehensive DME Insurance packages at the most affordable rates.

Our agency uses more than 60 different companies to write a wide variety of insurance policies. With so many providers to choose from, we have the ability to do all of the Durable Medical Equipment Insurance shopping for our clients in Connecticut, Maryland, New Jersey, Ohio, Pennsylvania and Virginia. The comprehensive insurance solutions offered by our experienced agents are tailored to meet all the needs of the industry. With a wide array of flexible coverage and service options available, you can get a policy that is tailored the meet the unique needs of businesses that rent, sell or service durable medical equipment.

Contact Hornafius Insurance Agency today at (717) 367-5126 or Request a Quote, risk-free.


We look forward to hearing from you!