AFC Insurance Inc. offers a specialized Paratransit Program, designed specifically for Non-Emergency Medical Transportation (NEMT), Ambulette services, and other paratransit operations within the Health & Human Services sector. Whether your client operates wheelchair-accessible vans, medical appointment shuttles, or other non-emergency transport vehicles, this program is tailored to help them manage their transportation risk exposures effectively.
Ideal Accounts and Appetite:
This program is ideal for businesses providing non-emergency medical transportation services, including:
- Paratransit Vehicles
- Non-Emergency Transportation Providers
- Ambulette Services
- Organizations within the Health & Human Services space
Vehicles may have lights installed but should not have EMT staff on board. This program is not intended for companies providing emergency services or operating as ambulances, taxis, limousines, black cars, or shuttles.
Coverage Highlights and Advantages:
AFC Insurance Inc. provides access to a comprehensive suite of coverages tailored to the needs of paratransit operations:
- Commercial Auto Liability
- Hired and Non-Owned Auto Liability
- Combined Single Limit
- Coverage available in all states
- General Liability – Limits available up to $1 million
- Property Coverage
- Workers Compensation
- Directors & Officers (D&O)
- Accident & Health
- Crime Insurance
These coverages help protect your insureds against a wide range of exposures, from vehicle accidents to employee injuries and organizational liabilities.
Underwriting Notes and Minimum Premiums:
Minimum premiums vary depending on the size and scope of the operation. Risks are generally considered eligible as long as they do not include EMT staff onboard or operate as emergency services. AFC takes a practical, experienced approach to underwriting paratransit risks, making them a strong partner for agents placing niche transportation accounts.
Territories and Availability:
This program is available in all 50 states, including Washington, D.C. Whether your client is operating in urban or rural areas, AFC can help you find the right solution for their transportation coverage needs.
Why Work With AFC Insurance Inc.:
As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in transportation and human services risks. They offer access to a broad range of carriers and flexible coverage options across both admitted and non-admitted markets. Their knowledge of the unique challenges paratransit operators face makes them a reliable partner for agents seeking to place specialized NEMT risks.
Ineligible Risks:
Emergency Services, Ambulance Services, EMT Staff on Board, Taxi/Shuttle Services, Black Car Services, Limo Services
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for non-emergency medical transportation providers, such as paratransit vehicle operators, ambulette services, and transportation providers in the Health & Human Services space.
Are emergency medical services or ambulance companies eligible?
No. This program does not accept emergency services, ambulance operations, or any vehicles with EMT staff on board.
What coverages are included in the Paratransit Program?
Available coverages include Commercial Auto Liability, General Liability, Property, Workers Compensation, Directors & Officers, Accident & Health, and Crime coverage.
Is this program available in all states?
Yes, this program is available in all 50 states and Washington, D.C.
Can vehicles with lights be covered under this program?
Yes, vehicles with lights may be eligible as long as they do not have EMT staff and are not used for emergency services.
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