​Who We Cover

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Our programs are built for:

• Durable Medical Equipment (DME) providers

• Home Medical Equipment (HME) suppliers

• Oxygen, respiratory, and sleep therapy providers

• Mobility equipment distributors

• Complex rehab & assistive technology providers

• Retail and rental HME operations

 

Risks HME Businesses Face

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• Patient Injury or Product Liability – defective or misused equipment can result in costly claims

• Theft or Property Loss – warehouses, delivery vehicles, and rented equipment are vulnerable

• Regulatory Compliance – HIPAA, Medicare/Medicaid, and payer rules require proper coverage

• Employee Injury – delivery staff face risks lifting, driving, and entering homes

• Cyber & Data Breaches – patient and billing data make you a target for hackers

 

Coverages for HME Providers

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A strong program may include:

• General Liability – patient and third-party bodily injury/property damage

• Product Liability – coverage for equipment and device-related claims

• Professional Liability / E&O – protection for setup, instruction, or service errors

• Property & Equipment Coverage – warehouses, offices, and inventory

• Inland Marine – mobile equipment and property in transit

• Workers’ Compensation – protects employees and controls comp costs

• Commercial Auto & HNOA – company-owned vehicles and staff driving personal cars

• Cyber Liability – HIPAA compliance, ransomware, and breach response

• Employment Practices Liability (EPLI) – protection from staff claims such as harassment or wrongful termination

• Umbrella/Excess Liability – higher limits to meet contract and payer requirements

 

Why Choose Peloton

 

• Healthcare Industry Focus – deep experience with medical, home health, and HME providers

• Compliance-Ready Programs – structured to satisfy payers, accreditation bodies, and vendor contracts

• Cost Management Strategies – including workers’ comp mod reviews and claims advocacy

• Responsive Service – fast COIs, renewals, and claims support

 

Risk Services for HME Providers​

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We offer support beyond insurance placement:

• Experience Mod Audits – keep workers’ comp costs in check

• Claims Advocacy – helping resolve claims efficiently and fairly

• Cyber Risk Readiness – guidance for HIPAA, data privacy, and breach response

• Contract Review – ensure your coverage meets vendor and payer requirements

 

FAQs

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Do I need product liability if I don’t manufacture equipment?

Yes. Even distributors and rental providers can be held liable for equipment-related injuries.

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Is cyber liability necessary for a small med spa?

Yes. If you store patient information or process payments, you’re at risk of breach or fraud.

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Is cyber coverage really necessary?

Absolutely—billing data, patient records, and vendor portals are common targets for hackers.

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Can you bundle HME coverage with home health insurance?

Yes—we design programs that cover both clinical and equipment operations.

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Do small suppliers really need excess liability?

Many payers, hospitals, and facility contracts require higher limits—you’ll want coverage that meets those requirements.

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Protect Patients & Your Business

Your patients depend on you. Peloton Insurance Brokers ensures your HME business has the protection it needs to operate safely and sustainably.​