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Your clients rely on their paratransit business to provide safe and specialized transportation services for individuals who are unable to use traditional public transit options. These operations carry unique risks, particularly when it comes to protecting the health and safety of their drivers, aides, and other transport staff. Novatae Risk Group offers a dedicated Paratransit Workers Compensation Insurance Program through a nationally recognized “A”-rated carrier. With over 30 years of experience in transportation-related insurance, we understand the exposures your clients face and have the underwriting expertise to help you place tough or niche accounts. Whether your client operates as a for-profit or not-for-profit entity, our program supports both emergency and non-emergency transport providers. Because we specialize in the specialty transportation space, we’ve built strong relationships with carriers that offer tailored workers compensation solutions for this sector. Ideal Accounts and Appetite This program is designed for paratransit companies that transport individuals with mobility, medical, or cognitive challenges. Ideal accounts include: Non-emergency medical transportation (NEMT) providers Wheelchair van services Community-based disability transport services Senior transportation providers You might have a client who operates a regional NEMT service with a fleet of wheelchair-accessible vehicles and a staff of trained drivers and aides. This type of account is a strong fit for our program. Coverage Highlights and Advantages Workers compensation coverage through a national “A”-rated carrier Available in both for-profit and not-for-profit sectors Only $7,500 minimum premium Fast turnaround on quotes with complete submissions 10% commission for agents Submission Requirements Completed Acord 130 form Three years of currently valued loss runs Supplemental Questionnaire Details on any large losses Send your submission to [email protected] or call 800-758-8113 to discuss your account with an experienced underwriter. 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 through all available markets, including non-admitted where appropriate. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep experience in transportation risks. Our specialized focus allows us to deliver tailored solutions and fast service. Agents benefit from our market access, underwriting knowledge, and commitment to helping you grow your transportation book with confidence. Call us today at 800-758-8113 to learn more about our 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 for seniors or people with disabilities. Is this program available to both for-profit and nonprofit organizations?Yes, the program is available to both for-profit and not-for-profit paratransit providers. What is the minimum premium for this program?The minimum premium starts at $7,500, making it accessible for small to mid-sized operations. Which states is this program available in?The program is available in over 25 states, including major markets like CA, FL, TX, NY, and IL. Contact Novatae to confirm availability in a specific state. What documents are needed to get a quote?To receive a quote, submit a completed Acord 130, three years of loss runs, a supplemental questionnaire, and any details on large losses. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Paratransit Program, designed specifically for Non-Emergency Medical Transportation (NEMT), Ambulette services, and other paratransit operations within the Health & Human Services sector. Whether your client operates wheelchair-accessible vans, medical appointment shuttles, or other non-emergency transport vehicles, this program is tailored to help them manage their transportation risk exposures effectively. Ideal Accounts and Appetite: This program is ideal for businesses providing non-emergency medical transportation services, including: Paratransit Vehicles Non-Emergency Transportation Providers Ambulette Services Organizations within the Health & Human Services space Vehicles may have lights installed but should not have EMT staff on board. This program is not intended for companies providing emergency services or operating as ambulances, taxis, limousines, black cars, or shuttles. Coverage Highlights and Advantages: AFC Insurance Inc. provides access to a comprehensive suite of coverages tailored to the needs of paratransit operations: Commercial Auto Liability Hired and Non-Owned Auto Liability Combined Single Limit Coverage available in all states General Liability – Limits available up to $1 million Property Coverage Workers Compensation Directors & Officers (D&O) Accident & Health Crime Insurance These coverages help protect your insureds against a wide range of exposures, from vehicle accidents to employee injuries and organizational liabilities. Underwriting Notes and Minimum Premiums: Minimum premiums vary depending on the size and scope of the operation. Risks are generally considered eligible as long as they do not include EMT staff onboard or operate as emergency services. AFC takes a practical, experienced approach to underwriting paratransit risks, making them a strong partner for agents placing niche transportation accounts. Territories and Availability: This program is available in all 50 states, including Washington, D.C. Whether your client is operating in urban or rural areas, AFC can help you find the right solution for their transportation coverage needs. Why Work With AFC Insurance Inc.: As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in transportation and human services risks. They offer access to a broad range of carriers and flexible coverage options across both admitted and non-admitted markets. Their knowledge of the unique challenges paratransit operators face makes them a reliable partner for agents seeking to place specialized NEMT risks. Ineligible Risks: Emergency Services, Ambulance Services, EMT Staff on Board, Taxi/Shuttle Services, Black Car Services, Limo Services Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-emergency medical transportation providers, such as paratransit vehicle operators, ambulette services, and transportation providers in the Health & Human Services space. Are emergency medical services or ambulance companies eligible?No. This program does not accept emergency services, ambulance operations, or any vehicles with EMT staff on board. What coverages are included in the Paratransit Program?Available coverages include Commercial Auto Liability, General Liability, Property, Workers Compensation, Directors & Officers, Accident & Health, and Crime coverage. Is this program available in all states?Yes, this program is available in all 50 states and Washington, D.C. Can vehicles with lights be covered under this program?Yes, vehicles with lights may be eligible as long as they do not have EMT staff and are not used for emergency services. Need help placing an account? Connect with a market specialist.