Workers' Compensation Coverage for Non-Emergency Medical Transportation Accounts
Keating offers a specialized Workers' Compensation program tailored for businesses that provide non-emergency medical transportation (NEMT) services. Whether your client operates wheelchair-accessible vans, provides transportation for disabled or elderly patients, or supports social service programs, this program is designed to meet the unique risks associated with these essential operations.
Ideal Accounts and Appetite
This program is a strong fit for a wide range of transportation providers, including:
- Non-emergency medical transportation (NEMT) companies
- Non-emergency ambulance services
- Social services and community transportation providers
- Handicapped and paratransit transportation operators
- Medical appointment and hospital shuttle services
Accounts with established safety protocols, driver training, and a clean claims history are preferred. New ventures may be considered on a case-by-case basis, depending on experience and risk controls.
Coverage Highlights and Advantages
Keating partners with several carriers to offer access to multiple markets, providing agents with flexibility in placement and pricing. Coverage is available for employees such as drivers, attendants, dispatchers, and administrative staff. This program addresses common workers' compensation exposures in the NEMT industry, including lifting injuries, vehicle-related incidents, and repetitive motion claims.
Key benefits include:
- Access to both admitted and non-admitted markets
- Competitive minimum premium starting at $10,000
- Responsive underwriting and placement assistance
- Support for multi-state operators
Underwriting Notes and Minimum Premiums
The minimum premium for this Workers' Compensation program is $10,000. Risks are evaluated based on operational size, safety history, number of drivers, fleet details, and geographic scope. Keating’s underwriting team works closely with agents to assess each submission and identify the best fit among its carrier partners.
Example accounts include:
- A regional NEMT provider transporting dialysis patients in multiple counties
- A nonprofit offering handicapped transport services as part of its community outreach programs
Territories and Availability
This program is available in the following states: AK, AL, AR, AZ, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NM, NV, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WV, and DC. Multi-state accounts are welcome, and Keating can assist with coordinating coverage across jurisdictions.
Why Work With Keating?
As a leading Brokerage General Agency, Keating brings deep expertise in placing complex Workers' Compensation risks. Their focus on transportation-related accounts, broad market access, and commitment to service make them a valuable partner for agents with NEMT clients. You can rely on their team to help you find the right fit for your accounts—whether you're working with a small fleet or a large regional operator.
For more information about Keating, visit their company profile.
Frequently Asked Questions
What types of accounts are a good fit for this Workers' Compensation program?
This program is ideal for businesses providing non-emergency medical transportation, including wheelchair van services, social service transportation, and non-emergency ambulances.
Is this program available in my state?
The program is available in over 40 states, including FL, TX, CA, NY, and many others. Multi-state operations are also acceptable.
What is the minimum premium for this program?
The minimum premium starts at $10,000, though final pricing depends on underwriting factors such as number of employees, safety practices, and loss history.
Can new ventures qualify for this program?
Yes, new ventures may be considered depending on the owner’s experience, operational plans, and safety protocols.
What carriers does Keating work with for this program?
Keating works with several carriers across both admitted and non-admitted markets to find the best fit for each account.
Need help placing an account? Connect with a market specialist.