With up to 20 trips a day, Non-Emergency Medical Transportation (NEMT) drivers transport patients between hospitals, nursing homes, and outpatient care facilities. The fast-paced environment and high volume of trips increase the risk of on-the-job accidents and injuries. Even well-trained professionals can encounter hazards caused by distracted drivers, time pressure, or unpredictable road conditions. That’s why having the right Workers Compensation Insurance is essential for NEMT businesses—and why agents need a trusted market for these accounts.
Novatae Risk Group, through its partnership with Empire Underwriters and an “A”-rated carrier, offers a dedicated Workers Compensation Insurance program designed specifically for the Non-Emergency Medical Transportation industry. Backed by over 30 years of experience in this niche, we understand the exposures your clients face and can help you place coverage quickly and efficiently.
Ideal Accounts and Appetite
- Non-Emergency Medical Transportation (NEMT) companies with professional drivers
- Accounts with multiple vehicles and daily transport schedules
- Operations with prior coverage and a loss history that can be reviewed
Whether you're working with a small provider or a multi-vehicle operation, this program is designed to handle the unique risks of NEMT services. For example, you may have a client running scheduled transports for dialysis patients or post-acute care facilities—this program was built to meet those needs.
Coverage Highlights and Advantages
- Coverage available in over 20 states
- Fast quote turnaround with completed submissions
- 10% commission for agents
- Backed by an “A”-rated insurance carrier
We understand the urgency and complexity of Workers Compensation coverage for transportation risks. Our streamlined underwriting process and knowledgeable team help you deliver competitive quotes and dependable protection to your clients quickly.
Underwriting Requirements and Minimum Premium
- Minimum premium: $7,500
- Required submission documents include:
- Acord 130
- Three years of loss runs
- Supplemental questionnaire
- Details on any large losses
The more complete the submission, the faster we can turn around a quote. Our team is ready to help you navigate the process and find solutions for even the most challenging accounts.
Territories and Market Access
This Workers Compensation program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Novatae Risk Group works with both admitted and non-admitted carriers to provide flexible solutions across a wide geographic footprint.
Why Choose Novatae Risk Group
As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group brings deep expertise and market access to the NEMT sector. Our long-standing relationships with carriers and our focused underwriting allow us to provide tailored solutions for complex transportation risks. We make it easy for agents to access competitive Workers Compensation coverage for their NEMT clients—supported by a responsive team, fast turnaround, and strong commissions.
Need a Workers Compensation quote for your NEMT client? Send your submission to [email protected] or call 800-758-8113 to speak directly with an experienced underwriter.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for Non-Emergency Medical Transportation companies that operate multiple vehicles and transport patients between medical facilities on a regular schedule.
What states is this Workers Compensation program available in?
Coverage is available in over 20 states, including CA, FL, TX, NY, and others across the South, Midwest, and East Coast.
What is the minimum premium for eligible accounts?
The minimum premium for this program is $7,500.
How quickly can I get a quote?
Quotes are typically turned around quickly once a complete submission is received, including Acord 130, loss runs, and supplemental details.
Who should I contact with questions or submissions?
You can reach out via email at [email protected] or call 800-758-8113 to speak with an experienced underwriter.
Need help placing an account? Connect with a market specialist.