Non-Emergency Medical Transportation Insurance

Overview of the Program from Colonial General Insurance Agency, Inc.

Colonial General offers a targeted Non-Emergency Medical Transportation (NEMT) program for agents placing ambulatory and stretcher transport accounts that participate in Medicare or Medicaid contracts. This program combines liability, physical damage, and optional cargo protection designed to address the common exposures of passenger transport for non-emergency medical needs. Coverage structure and market depend on the state and specific account characteristics; available markets vary.

Ideal Accounts and Appetite

• Small to mid-size operators running sedan and van services for ambulatory and stretcher passengers (where stretcher transport is accepted by underwriter).
• Fleets with established Medicare or Medicaid contracts — a contract is required for placement.
• Operators seeking liability limits up to $1,000,000 CSL and higher per-seating-capacity limits up to $1.5 million where state/federal requirements apply.

Accounts less likely to be acceptable include large fleets with extensive wheelchair-accessible vehicle (WAV) operations, new ventures without government contracts, or operations outside the listed states where admitted markets are not available.

Coverage Highlights and Advantages

• Liability limits up to $1,000,000 CSL; per seating capacity limits up to $1.5M where required.
• Physical damage available with flexible deductible options ($500–$5,000) to fit fleet risk tolerance.
• Cargo coverage up to $100,000 that includes refrigerator breakdown — useful for medical supplies and temperature-sensitive items transported with patients.
• Radius options up to 500 miles to accommodate regional runs and inter-facility transfers.
• Placement through Colonial General’s MGA/E&S brokerage relationships provides access to admitted or non-admitted solutions depending on state and account profile.

Underwriting Notes

• Medicare or Medicaid contract documentation is mandatory at submission.
• Wheelchair-accessible vehicles: limited or no capacity in most states — disclose any WAV operations up front for accurate placement guidance.
• Seating capacity drives some state and federal limit requirements; provide seating configuration and vehicle types on submissions.
• Provide details on driver screening, training, background checks, and vehicle maintenance programs to improve placement chances and pricing.
• Radius, cargo exposures (including refrigerated items), and any stretcher operations should be detailed for accurate quoting.

Territories and Availability

This program is available in select western states: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted versus non-admitted availability varies by state and by the specifics of the account — Colonial General works as both an MGA and an excess & surplus lines broker to secure the right market for the risk.

Why Work with Colonial General on NEMT Business

Colonial General combines specialized appetite for Medicare/Medicaid-contracted NEMT operations with flexible E&S and admitted market access. Agents benefit from targeted underwriting that understands common NEMT exposures (liability for passenger transport, cargo and refrigerated goods, radius and multi-state runs) and from options for physical damage and cargo protection. Colonial General’s focus on these account types helps streamline submissions and improve the chance of placement for qualified insureds.

Example Accounts

• A small, three-vehicle sedan fleet that transports dialysis and outpatient clinic patients under a state Medicaid contract — seeking $1,000,000 CSL liability and physical damage on each vehicle.
• A regional van operator with Medicare contracts running non-emergency stretcher transfers within a 250-mile radius, requiring cargo coverage for temperature-sensitive medical supplies.

Frequently Asked Questions

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