Durable Medical Equipment Supplier Insurance Coverage Checklist
The coverages a durable medical equipment supplier business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for DME suppliers. Priorities reflect typical exposure; confirm against oxygen, life-support, and delivery operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products & Professional Liability | Covers equipment failures and setup errors. | Core | |
| Commercial Auto | Covers delivery vehicles and oxygen transport. | Core | |
| Regulatory / Billing Errors (E&O) | Covers Medicare audits, overpayment demands, and investigations. | Prevalent | |
| Commercial General Liability | Covers premises injuries to customers and visitors. | Core | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is products coverage for equipment the supplier didn't make. Patients injured by beds, lifts, or oxygen equipment often sue the supplier who delivered and set it up, and some policies limit products or completed-operations coverage. Suppliers should confirm products coverage, document caregiver training at delivery, and warn oxygen patients in writing about smoking and open flames.
Send us the checklist and we'll review your durable medical equipment supplier coverage line by line, then market it across multiple carriers that compete for your account.
Related: Durable Medical Equipment Supplier Insurance · Durable Medical Equipment Supplier Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a durable medical equipment supplier business need?
The core coverages for a durable medical equipment supplier business are Products & Professional Liability, Commercial Auto, Commercial General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my durable medical equipment supplier coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.