The ABCs of HME Liability

Posted on: April 16th, 2013 by SRSblogger

When it comes to a topic such as liability policies and how they affect HME providers, things can become complicated rather quickly. That’s why Southern Risk Services has come up with an easy way for you to approach this topic with the ABCs of HME Liability.

liability insurance

How protected are you? If you don’t know, liability insurance needs to be high on your list of priorities.

Assuming your general liability policy provides sufficient coverage isn’t adequate. You must know exactly how you are covered.

Better to be safe than sorry. You don’t want to think about the worst that can happen, but having the right policies in place protects you in case they do.

Contractual liability extends to any liability you may assume by entering into a variety of contracts.

Damage, as in the kind done to a customer’s property by your employees. Without property damage coverage, you could be on the hook for hundreds in repairs.

Employers, like yourself and other owners of HME businesses, should have workers compensation in place. It’s the right thing to do.

Fire and flood damage can also be covered under certain general liability policies.

General liability policies can be comprehensive, but it’s up to you to know exactly what is covered.

Hazardous activities: if your employees engage in them as part of their job, workers comp is a must. 

Injuries, whether sustained by your employees or by a patient from using a product you provided to them, are grounds for a lawsuit.

Just do it already. Every day you go uninsured is another day that could ruin you and your company.

Kinds of protection most HMEs need: bodily injury, property damage, products-completed operations, products liability, contractual liability and others found here.

Losses are what your general liability pays for real or alleged bodily injury, property damage or personal injury.

Monetary losses are a definite possibility when facing a lawsuit and not having the proper insurance.

Non-owned vehicles such as aircraft or watercraft may also be a covered by general liability.

Operations liability protects you in the event that a service you provide a patient results in injury.

Products liability is essential to cover you from any injuries incurred as a result of an HME/DME product that you provided malfunctioning or breaking.

Questions about your policies and how we can help can be directed to any of our helpful employees found here.

Risks: they aren’t worth taking. We can help evaluate your HME company and see where it is weakest.

Sued, as in what you don’t want to be. An estimated 90 percent of companies in the United States are engaged in at least one court litigation.

Today is the best day to call Southern Risk Services about your general liability policy.

Unique liability coverage can be put in to your general liability based on certain aspects of your business.

Varied insurance policies may be the best solution for your HME business, so don’t be afraid to ask. 

Workers compensation protects you from lawsuits, as well as gives your employees access to funds to pay for medical expenses in the event of an on-the-job injury.

Explosion damage is another thing that may be covered under your general liability.

“You never need insurance until you need insurance.”

Zero: the number of chances you can take of not having your HME business insured. The best defense is to be covered, so call Southern Risk Services today!




Terry Young, President

Call Now 256-442-3443 or Toll Free 877-222-UROK (8765)

For a FREE, No Obligation Phone Quote

Compliments of Terry Young, Southern Risk Services

3224 Rainbow Drive, Suite 2, Rainbow City, AL 35906

Phone: 256-442-3443 Fax: 256-442-9546


2236 Cahaba Valley Drive, Birmingham AL 35242


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