Suppliers of patient support, mobility, rehabilitation and assistive devices.

Where the sector’s exposures differ

Support devices range from simple aids to powered or software-enabled systems. Falls, load-bearing failures, unsuitable fitting and faults in home-use equipment can create different allegations. Installation, custom adjustment and user instruction should be described alongside the product itself.

Insurance covers to assess

Potential covers include products liability, professional indemnity or service liability for assessment and fitting, recall, transit and property insurance. Tell us about hired equipment so we can discuss relevant policy features. Interpretation of hire agreements and responsibility for damage belongs with your legal adviser.

Policy features to discuss

We can discuss the insured activities, insured entities, territorial limits, defence costs, excesses and aggregate limits offered by insurers. If a customer requests particular insurance, let us know so we can consider the available cover. Legal interpretation, drafting and negotiation of contracts should be handled by your legal adviser.

An illustrative exposure

A supplied mobility aid is alleged to collapse. A separate allegation concerns advice about suitability. Product defect and fitting advice may need different cover.

This is a hypothetical example to explain cover questions, not a Mercantile client case or a paid claim. The proposed policy must be assessed before assuming any response.

Information needed for a quotation

Device categories and load limits; customisation or fitting; powered functions; home or clinical use; hire versus sale; maintenance and inspection responsibilities.

Also provide turnover, wages, subcontractor and labour-hire costs, the legal entities to insure, existing schedules and wordings, claims or known circumstances, and planned changes. A clear activity breakdown helps us approach suitable markets and compare the terms offered.

Common questions

Does product insurance cover individual suitability advice?

It should not be assumed. Assessment, prescription, fitting or clinical advice may require professional or medical indemnity consideration.

Can Mercantile review existing insurance?

Yes. Send the schedule and wording together with a description of your activities and key contracts. We can examine significant gaps and approach suitable insurers, subject to their appetite and acceptance. We assist Australian businesses from our Norwest NSW office.

Related insurance sectors

Our service focuses on insurance placement and policy cover. Product classification, approvals and regulatory compliance are matters for your regulatory adviser or the relevant authority.

Return to medical device insurance or explore all Life Science insurance sectors.

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Prepared by Mercantile Insurance Brokers. Updated 30 September 2026. General information for Australian businesses. Availability and cover depend on insurer acceptance, policy terms, exclusions, limits and deductibles.