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AFC Insurance Inc. offers a focused Paratransit Program built for Non-Emergency Medical Transportation (NEMT), ambulette services, and other paratransit operations serving the Health & Human Services sector. If your client operates wheelchair-accessible vans, appointment shuttles, or similar non-emergency transport vehicles, this program is structured to help manage their transportation risks with tailored coverages and practical underwriting. Ideal accounts and appetite The program is designed for agents placing non-emergency transportation accounts, including: Paratransit vehicle operators Non-Emergency Medical Transportation (NEMT) providers Ambulette services Organizations and vendors within the Health & Human Services space Vehicles that have lights installed may be eligible, provided they do not carry EMT staff and are not used for emergency services. This program is not intended for ambulance or emergency providers, taxi, limousine/black car operations, or general shuttle services. Coverage highlights and advantages AFC provides access to a broad suite of coverages tailored to paratransit exposures. Highlights include: Commercial Auto Liability Hired and Non-Owned Auto Liability available Combined Single Limit options Capacity across multiple markets General Liability — limits available up to $1,000,000 Property Coverage Workers’ Compensation Directors & Officers (D&O) Accident & Health Crime Insurance These options help protect operators from vehicle liability, third-party claims, employee injuries, and organizational exposures common to human services providers. Underwriting notes and minimum premiums AFC’s underwriting emphasizes practical, experienced evaluation of paratransit risks. Typical eligibility requires that vehicles not be staffed with EMTs and not operate as emergency vehicles. Minimum premiums vary by account size, vehicle count, and exposure profile; agents should expect pricing to be quoted on a case-by-case basis. Territories and availability The program is available across the United States — all 50 states and Washington, D.C. — with capacity in both admitted and non-admitted markets where appropriate. AFC can place accounts in urban and rural territories. Why work with AFC Insurance Inc. on paratransit business As a dedicated Program Administrator, AFC brings focused expertise in transportation and human services exposures. They offer agents access to a variety of carrier markets and flexible placement options, making them a strong choice for niche NEMT and ambulette accounts that need tailored coverages and experienced underwriting. Example accounts that fit this program You have a small NEMT operator with a fleet of wheelchair-accessible vans transporting patients to medical appointments — no EMTs on board and routine routes within the community. An ambulette provider serving a county health department with a mix of part-time drivers and volunteer staff that needs combined auto liability and workers’ compensation solutions. Ineligible risks The program will not consider emergency services, ambulance operations, vehicles carrying EMT staff, taxi/shuttle services, limousine/black car operations, or similar for which different underwriting and coverages are required. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best suited for non-emergency medical transportation providers — paratransit vehicle operators, ambulette services, and other transportation providers within the Health & Human Services sector. Are emergency medical services or ambulance companies eligible? No. Emergency services, ambulance operations, and any vehicles carrying EMT staff are ineligible for this program. What coverages are included in the Paratransit Program? Available coverages include Commercial Auto Liability (including hired & non-owned), General Liability, Property, Workers’ Compensation, Directors & Officers, Accident & Health, and Crime insurance. Is this program available in all states? Yes. AFC offers this program in all 50 states and Washington, D.C., with placement options across admitted and non-admitted markets. Can vehicles with lights be covered under this program? Yes. Vehicles equipped with lights may be eligible so long as they do not carry EMT staff and are not operated as emergency vehicles. Need help placing an account? Connect with a market specialist.