Equipment people depend on every day.
Product liability, professional liability for fittings and setup, delivery auto, property, crime and general liability for medical supply stores and home medical equipment dealers.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Fittings, deliveries and rentals
A medical supply store sells and rents equipment that patients rely on: wheelchairs, hospital beds, walkers, oxygen accessories, compression garments. A bed that collapses or a wheelchair fitted wrong can injure someone already in poor health, and the claim can name the store that sold, set up or rented it.
Many stores deliver and set up equipment in homes, and some fit braces or garments. California's Department of Public Health licenses home medical device retailers, and stores that bill Medicare face their own supplier rules. I put each part of your work on the application so it's covered.
- Product liabilityEquipment you sell or rent.
- Professional liabilityFittings, setup and patient instructions.
- Commercial autoDelivery vans and drivers in homes.
- PropertyInventory, rental fleet and showroom.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Store: address and product categories.
- Licenses: state retailer license and any supplier numbers.
- Rentals: what you rent out and the fleet value.
- Services: fittings, home setup and repairs.
- Vehicles: delivery vans and drivers.
- Revenue and payroll: annual figures and claims history.
Medical supply insurance, answered
If a rented bed fails, who's responsible?
The maker, the store and whoever set it up can all be named. Product and professional liability together give a better chance a claim is covered, subject to the terms.
Do I need professional liability to sell supplies?
If you only sell boxed items, maybe not. If you fit, measure, set up or teach patients, I add it.
Is my rental fleet covered at customers' homes?
Equipment away from your premises needs to be listed. Inland marine or a rental floater can follow it.
Does billing Medicare change my insurance?
Medicare equipment suppliers must meet federal supplier standards that generally include accreditation, a surety bond and liability insurance. Tell me if you bill it so the file matches.
Do you offer medical supply store insurance outside California?
Yes. Clients across the country send the same quote form. Sam Alishahi is licensed in 48 states and Washington, DC and places policies there directly. In Florida and Washington, where Sam's licenses are still being issued, a partner agency in your state helps in the meantime. The shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Cover the store and the home visits
Send me what you sell and rent, your services and your vehicles. I'll quote it with insurers that write medical equipment dealers.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. Your application link comes by email right away, and you get an update at every step until your quotes are ready.
(877) 711-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.