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.