Your clients depend on their paratransit operations to provide safe, reliable transportation for people who cannot use traditional public transit. These services create unique exposures — especially for drivers, aides, and on-board attendants — and require workers compensation programs tailored to the specialty transportation space.
Novatae Risk Group offers a dedicated Paratransit Workers Compensation Insurance Program placed through a nationally recognized “A”-rated carrier. With over 30 years of experience in transportation-related insurance, we understand the operational risks your clients face and have the underwriting relationships and expertise to place tougher or niche accounts.
The program supports both for-profit and not-for-profit paratransit providers and is available for emergency and non-emergency transport. Because Novatae focuses on specialty transportation, we can access carriers that provide workers compensation solutions tailored to drivers and staff who handle riders with mobility, medical, or cognitive challenges.
Ideal Accounts and Appetite
This program is built for paratransit operations, including the following target classes:
- Non-emergency medical transportation (NEMT) providers
- Wheelchair-accessible van services
- Community-based disability transport programs
- Senior transportation and escort services
You might have a client who operates a regional NEMT fleet with wheelchair-accessible vehicles and trained drivers and aides — that type of account typically fits well. Accounts with documented driver training, vehicle maintenance programs, and formal rider-handling procedures are especially desirable.
Coverage Highlights and Advantages
- Workers compensation placement through an “A”-rated national carrier
- Available to both for-profit and not-for-profit entities
- Accessible entry point with a $7,500 minimum premium
- Fast turnaround on quotes when you provide a complete submission
- Competitive compensation for brokers working the program
Submission Requirements
- Completed ACORD 130 form
- Three years of currently valued loss runs
- Supplemental questionnaire describing operations and controls
- Details on any large or unusual losses
Send submissions to [email protected] or call 800-758-8113 to discuss an account with an experienced underwriter.
Underwriting Notes and Minimum Premiums
The program is designed for small to mid-sized paratransit operators; the minimum premium is $7,500. Favorable submissions typically show evidence of driver screening, defensive driving or rider-handling training, proactive safety programs, and documented vehicle maintenance. Accounts with repeated severe losses, unmanaged exposure to hazardous transports, or poor safety controls may be declined or require higher retentions.
Territories and Availability
This program is currently 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. Coverage is offered across all available markets, including non-admitted where appropriate. Contact Novatae to confirm availability and market options for a specific state.
Why Work With Novatae Risk Group?
Novatae Risk Group is a managing general underwriter and excess & surplus lines broker with deep experience in transportation risks. Our specialized focus gives you market access, underwriting insight, and faster service for paratransit accounts that can be difficult to place in standard markets. We work with agents to assess exposures and present complete submissions that improve the likelihood of competitive terms.
Call us today at 800-758-8113 to learn more about the Paratransit Workers Compensation Insurance Program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for paratransit operations, including non-emergency medical transportation providers, wheelchair van services, and community-based transport companies serving seniors or people with disabilities.
Is this program available to both for-profit and nonprofit organizations?
Yes. Novatae’s program accepts both for-profit and not-for-profit paratransit providers.
What is the minimum premium for this program?
The minimum premium for the program is $7,500, which makes it appropriate for many small to mid-sized operators.
Which states is this program available in?
The program is available in over 25 states, including major markets such as CA, FL, TX, NY, and IL. Reach out to Novatae to confirm availability in a specific state.
What documents are needed to get a quote?
Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or unusual losses to obtain a quote.
Need help placing an account? Connect with a market specialist.