All Insurance Underwriters, Inc. offers a focused Workers Compensation program built for Non-Emergency Medical Transportation (NEMT) operators. As a Managing General Underwriter with access to multiple A-rated carriers nationwide, we equip agents and brokers with flexible placement options for NEMT accounts that have more complex risk or fleet profiles.
Ideal Accounts and Appetite
This program targets established NEMT providers that transport patients to and from medical appointments without emergency response. Ideal candidates include companies that have:
- A minimum of $50,000 in Workers Compensation premium
- At least five years of verifiable loss history
- Documented driver safety programs and vehicle maintenance processes
We write businesses operating wheelchair vans, stretcher transport units, ambulatory transport vehicles, and similar non-emergency medical transport fleets. Accounts with clear safety controls and fleet oversight are the best fit.
Coverage Highlights and Advantages
Each submission is underwritten individually. Available structures include:
- Guaranteed cost plans for predictable budgeting
- Large and small deductible options for clients seeking premium savings
- Placement with carriers experienced in both transportation and healthcare-related workers compensation risks
The program is designed to protect NEMT employees from common workplace exposures such as lifting and transfer strains, slips and falls during patient transfers, and vehicle-related accidents—helping your clients remain compliant and keep their workforce covered.
Underwriting Notes and Minimum Premiums
To be considered, submissions should include:
- Minimum premium of $50,000
- Five years of complete loss runs
- Fully completed ACORD applications and any required supplemental forms
Underwriters review operational controls, safety and training programs, claims handling history, and fleet management practices when evaluating accounts.
Territories and Availability
This Workers Compensation program is available nationwide: all 50 states and Washington, DC. We routinely place business in high-regulation and high-exposure states, tailoring terms to local requirements and carrier appetite.
Why Work With All Insurance Underwriters, Inc.?
All Insurance Underwriters, Inc. combines deep experience in transportation and healthcare-related workers compensation to support agents placing NEMT business. You’ll benefit from:
- Responsive underwriting support and case management
- Flexible program structures to match client needs
- Nationwide availability and carriers with strong financial ratings
- Experience handling accounts with mixed vehicle classes and varied exposure levels
Whether you’re placing a new NEMT account or seeking better terms for an incumbent client, our program gives you practical options and a partner familiar with the operational issues NEMT businesses face.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Established non-emergency medical transportation providers with at least $50,000 in Workers Compensation premium and five years of loss history are ideal candidates.
What coverage structures are available?
We offer guaranteed cost, large deductible, and small deductible Workers Compensation options, and structure each submission to match the account’s loss profile and cash-flow needs.
Do you require loss history for submissions?
Yes. Five years of complete loss runs are required for all submissions so our underwriters can accurately assess trends and controls.
In which states is this program available?
This program is available nationwide, including all 50 states and Washington, DC.
Can you help with accounts that have prior losses?
Yes. We evaluate accounts with prior losses on a case-by-case basis and look for evidence of corrective actions, strengthened safety programs, and improved fleet management.
Need help placing an account? Connect with a market specialist.