Non Emergency Medical Transportation Insurance

non emergency medical transport insuranceNon emergency medical transportation (NEMT) companies provide rides to people who need to get to and from medical appointments. The elderly, disabled, and patients with immobilizing injuries and chronic illnesses depend on these services.

Owning  a Non Emergency Medical Transport Business
As a business owner, you need to stay in business for your customers. It's hard to do that if you don't have transportation insurance. We can help you with insurance and markets for non-emergency (and emergency) ambulances, medical transport vans, and any commercial or livery transportation operations through our partner's specialty insurance markets.

Non Emergency Medical Transportation insurance should include commercial automobile coverage and workers' compensation. An automobile policy protects your work vehicles and will help you pay to repair and replace your cars after an accident. Many states require you and/or your insurance company to submit forms to the department of transportation to prove that you have adequate levels of insurance.

These requirements are legislated at the state level and therefore vary based on the state in which you operate. Before you buy commercial automobile insurance, speak with an insurance agent about all your specific non emergency medical transport insurance needs  to determine the amounts of coverage you need and find the policy that's right for your business.

Workers' compensation is mandatory in most states. Even if you can meet an exception, you would foolish to operate your business without it. Workers' compensation covers claims that arise when one of your employees is injured while working within the course and scope of his/her employment. If you don't have workers' compensation, you could be ordered by a court to pay the medical costs and lost wages associated with your employees' work-related injuries. Many insurance companies will allow you to bundle a number of insurance policies together into one package. Discuss this with your business partners and representatives from different insurance companies.

You should also consider general liability insurance. General liability will protect you in the event that one of your employees injures someone at work or damages someone's property. No matter how careful you are and how much you train your employees, accidents happen and not all incidents can be prevented. General liability will protect your interests if one of your drivers gets into a car accident. The passengers who you transport are likely already dealing with an illness or injury. Car crashes could exacerbate these issues and could cost you and your company a substantial amount of money. Protect yourself and your business and make sure that you have automobile and general liability coverage.

What Non Emergency Medical Transport Insurance Can Cover:
  • - Auto Liability
  • - General Liability
  • - High Capacity Passenger Vans
  • - Wheel Chair Ramps/Lifts
  • - Non-Owned/Hired Vehicles

Property and equipment insurance may also be needed. You need insurance to protect your offices and the equipment within your company vehicles. You likely have lifts and harnesses that are costly to replace. Don't take a risk, make sure all of your property is insured and protected from loss. With all of these insurance policies in place, you should be ready to operate your non-medical emergency transportation service.

Who insurance coverage do non emergency medical transport vehicles (NEMT) policies cover?
  • - For-hire on contractual or demand basis
  • - Paratransit
  • - Taxis
  • - Limousines
  • - Chartered Buses
  • - Car Services

If you want to protect your company further, you could also consider excess coverage. If your base policy takes care of costs up to $500,000 per incident, then you could buy excess coverage that would cover expenses from $500,000 to $1,000,000. This extra layer of insurance will protect you in extreme circumstances, when catastrophic accidents occur.
Empire Underwriters, LLC
Non-Emergency Medical Transportation Workers Compensation Insurance

With as many as 20 trips day Non-Emergency Medical Transportation drivers and companies are rushing from hospitals, nursing homes, or outpatient care facilities to complete as many trips per day as possible. Even with great training this can lead to ...
Empire Underwriters, LLC
Paratransit Workers Compensation Insurance Program

Your clients para-transit company provides specialty transportation for their customers. They rely on them for transportation because their situation omits ability to use other transportation methods. We provide specialty insurance for para-transit ...
Gengler Insurance Agencies of Texas & Virginia
Non Emergency Medical Transportation Insurance

NEMT insurance is needed for companies that provide transportation of patients for medical reasons (but not for emergencies). A good example would be transporting disabled or elderly patients to and from medical appointments. So, in a nutshell, it ...
All Insurance Underwriters, Inc.
Berkshire Hathaway Homestate Companies

All Insurance Underwriters would like to be your access point for Berkshire Hathaway Homestate Companies. This AM Best A++ rated carrier is well known for being the leader in the insurance Industry and recognized across the Nation for not onl...
All Insurance Underwriters, Inc.
Dallas National Insurance Company

Looking for a quick turnaround time for pricing, excellent customer service and pay as you go workers compensation? All Insurance Underwriters (AIU) has you covered with Dallas National Insurance Company. Our long standing relationship with Dallas Na...
Agents Insurance Markets, Inc.
Emergency Care Services Insurance For NC and VA

      EMERGENCY CARE SERVICES  AND NON-EMERGENCY TRANSPORT SERVICES FOR NC and VA   We take pride in providing your clients with superior coverage for Emergency Care Services.   We are working...
The McGowan Companies
Excess Auto Umbrella Insurance

McGowan Excess & Casualty Excess Auto Umbrella Insurance Eligible Classes: School Bus Operators Shuttle Buses Non-Emergency Ambulances Sand & Gravel Mix in Transit Water Haulers Trash/Garba...
Roundstone
Livery

Commercial auto liability program specifically for Limousines and Black Cars, as well as the taxi industry. Automotive Liability, Physical Damage, General Liability, Garage Liability, Garagekeeper's Legal Liability, Excess/Umbrella Liability, and Pro...
Cygnet Underwriting Agency, Inc.
Medical Malpractice

We Specialize in Medical Professional Liability   Miscellaneous Medical   Including but not limited to the following classes of business:   Abortion Clinics ...
J.M. Wilson Corp.
Non-Emergency Medical Transport Insurance

Non-Emergency Medical Transport Insurance   At J.M. Wilson, we have a Non-Emergency Medical Transport Insurance program designed to provide the coverage your Medical Professionals need!  Check out our special features and coverage opti...
Keating
Non-Emergency Medical Transportation

Keating provides workers' compensation coverage available to business that provide non-emergency transportation services, non-emergency ambulance risks, social services transportation, handicapped transportation, medical transportation, etc. ...
Colonial General Insurance Agency, Inc.
Non-Emergency Medical Transportation Insurance

Policy Highlights: Colonial General can provide the coverages you require for your non-emergency medical transportation needs. Contact us today for more information about additional coverages offered. Coverage available: • We currently do not hav...
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.

Insurance for You, Your Family or Your Business 
Quick and simple; secure and confidential. We share your info with only ONE of our insurance experts. Our unique, proprietary process is designed to get you the best local expertise available.


If you are an Insurance Agent, looking to help an Insured, we can help you 
Find A Marketby matching you to our MGA/Wholesaler/Carrier partners.
Further Reading 
Let's say you have a beer or one cocktail at a party, trip over the carpet, and wind up in the emergency room with a broken ankle. Now imagine the shock of finding out later that your Health insurer is denying your claim due to the presence of alcoho...
The disastrous Japanese earthquake/tsunami of March 2011 drowned thousands of people - but the toll would have been far higher without the nation's comprehensive warning system, which combined radio broadcasts, text messages, and sirens with firefigh...
Just as one might use a CPA to prepare their income taxes or an attorney to help them with their estate planning, many choose to use an insurance agency to write their insurance policies. This choice is mainly made because a person feels they need pr...
Your business insurance value has no relation to your policy premium or your policy premiums, the value of your insurance portfolio related directly to the risks you insure against. If you are not an insurance expert, it is important for you to meet ...
Regular visits to your primary care physician provide essential preventative care that helps you stay healthy. However, you sometimes need to see a heart, diabetes or surgery specialist. Do you know where to turn? Learn how to choose a medical specia...