Property

The HOMed Property policy provides Replacement Cost coverage for your Real Property (buildings) and Business Personal Property, including stock. Our comprehensive policy also provides protection for a wide range of exposures, including:

• Business Income and Extra Expense
• Accounts Receivable
• Computers and Communications Equipment
• Valuable Papers, Software and Data
• Property in Transit
• Property Off Premises
• Money and Securities

Commercial General Liability

Our Commercial General Liability policy is designed specifically to meet the needs of HME/DME businesses, with coverages that go beyond a standard commercial policy, including:

• Miscellaneous Professional Liability – revised definition of Professional Health Care Services
• Products Liability
• Contractual Liability

Business Automobile

The HOMed Business Automobile policy is designed to protect your business from potential lawsuits arising from motor vehicle accidents. Coverage is also available to cover damage to your vehicles, along with:

• Liability Coverage
• No Fault/Personal Injury Protection
• Medical Payments Coverage
• Uninsured/Underinsured Motorists Coverage
• Physical Damage Coverage including Comprehensive and Collision

Employee Benefits Liability

HOMed Employee Benefits are designed to protect your business from exposures related to the administration of various types of benefit programs, with unparalleled coverage for litigation stemming from such accusations as:

• Failure to Enroll Participants
• Improper Calculation of Benefits
• Wrongful Termination of Benefits
• Improper Processing of Claims

Crime

Commercial Crime coverage is available for the following exposures:

• Employee Theft – Blanket or Position Schedule
• Forgery or Alteration
• Theft of Money and Securities

Excess Liability

The HOMed Excess Liability policy is designed to provide extra limits of insurance above the primary limits included on your underlying policies. It also covers damages and legal defense costs you incur if the coverage under the primary policies is used up or exhausted. If provided by your primary policy, excess limits can be provided for the following:

• Commercial General Liability
• Employee Benefits Liability
• Automobile Liability
• Employers Liability