BIS Improved Insurance’s Home Health Care & Durable Medical Equipment is insurance uniquely designed to fulfill a wide range of special insurance needs for the Home Health Care/DME sector. Each policy is custom tailored to address each insured’s unique exposures. We offer separate limits for General Liability, Professional Liability, and Abuse & Molestation (if eligible). In addition, we offer a separate Directors & Officers Liability policy.

Key Benefits:

Professional, General & Product Liability

• Limits to $1M each occurrence/$3M aggregate

• Abuse and Molestation coverage available

• Employees, Volunteers, and Insureds

Property

• Blanket limits available

• Special Causes of Loss coverage

• Agreed Amount available

• Equipment Breakdown coverage available

Umbrella/Excess Liability

• Large Excess Limits available

Automobile

• Owned/non-owned/hired auto

• Employees, Volunteers, and Insureds

Crime and Fidelity

• Employee Theft/Forgery

• Money and Securities

• Theft, Disappearance, and Destruction of client property

Directors & Officers Liability

• Defense Costs in addition to the Limit of

Liability

• Most favorable venue wording for punitive, multiple, or exemplary damages

Workers Compensation

• Up to 25% discount available

• Dividend plans available

• payroll billing/pay as you go