Non Emergency Medical Transportation Insurance Program From PMC Insurance Group
PMC Insurance Group offers a specialized Non Emergency Medical Transportation (NEMT) Insurance Program tailored for transportation providers serving vulnerable populations. Whether your insured operates wheelchair vans, shuttle buses, or sedans, this program is designed to meet the unique liability and coverage needs of NEMT operators.
Agents and brokers can access a competitive market with admitted, A-rated carriers and a proven underwriting process through PMC Insurance Group, a trusted wholesale broker with deep expertise in transportation risks.
Ideal Accounts and Target Classes
This program is ideal for transportation providers who serve individuals with:
- Mobility impairments
- Vision or hearing impairments
- Mental or developmental disabilities
- Elderly passengers
- Medicaid-qualified riders
Coverage is suitable for small to mid-sized NEMT businesses that operate scheduled, non-emergency transportation services to medical appointments, adult day care, dialysis centers, and similar destinations. Accounts with experience in passenger transport and a clean loss history are preferred.
Example: You might have a client running a six-vehicle fleet transporting Medicaid patients to and from dialysis appointments across rural or suburban communities—this is a strong fit for the program.
Coverage Highlights and Advantages
- Guaranteed Cost options available
- Admitted markets with A-rated carriers (varies by state)
- Dedicated underwriting for NEMT risks
- Support for complex underwriting submissions (MOD sheets, loss runs, etc.)
PMC Insurance Group understands the regulatory and operational challenges your insureds face and brings valuable expertise to help you navigate underwriting requirements and secure coverage efficiently.
Underwriting Requirements and Minimum Premium
Minimum premium starts at $7,500, with final pricing based on risk profile, state, and insured operations. Submissions should include:
- 5 years of loss runs
- Completed ACORD application
- Current MOD sheet (if applicable)
Eligibility and carrier availability vary by state, and certain higher-risk classes or operations may be subject to additional underwriting review.
Territories and Availability
This program is available in most states, including AL, AZ, CT, DE, ID, IL, IN, IA, KS, KY, ME, MD, MI, MS, MO, MT, NV, NH, NY, NC, OK, RI, SC, SD, TN, TX, UT, VT, VA, DC, and WV.
Not available in: AR, CA, FL, GA, MA, and PA.
Why Work With PMC Insurance Group?
PMC Insurance Group is a trusted wholesale broker with strong carrier relationships and a responsive underwriting team focused on transportation-related risks. Their NEMT program offers a reliable market for agents seeking tailored coverage solutions for clients in this growing and essential industry.
From underwriting expertise to personalized service, PMC helps agents close more accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for non-emergency medical transportation providers that serve passengers with disabilities, the elderly, or Medicaid-qualified individuals. Fleets operating sedans, vans, or minibuses for scheduled transportation qualify best.
What states is the program available in?
The program is available in most states, including NY, TX, IL, and others. It is not available in AR, CA, FL, GA, MA, or PA.
What are the minimum submission requirements?
Agents should provide 5 years of loss runs, a completed ACORD application, and a current MOD sheet to begin the underwriting process.
Are the carriers admitted?
Yes, the program uses admitted A-rated carriers where available. Availability may vary depending on the state.
Is there a minimum premium?
Yes, the minimum premium starts at $7,500, but actual pricing depends on the specific risk characteristics and location of the account.
Need help placing an account? Connect with a market specialist.