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, such as:

• 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
The coverage provided by our HOMed Commercial General Liability policy is designed specifically to meet the insurance needs of Home Medical Equipment Dealers such as yours. Coverage benefits, which make our policy different from a standard commercial policy, include:

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

EMPLOYEE BENEFITS LIABILITY
The Employee Benefits Liability Coverage available on our HOMed policy is designed to protect your business from exposures related to the administration of various types of employee benefit programs. It provides 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 can be provided on our HOMed policy. Coverage is available for the following exposures:

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

UMBRELLA/EXCESS LIABILITY
The HOMed Umbrella/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