We’re Not an Insurance Agency – But We Can Help You Get the Best Deals!

If you're running a non-emergency medical transportation (NEMT) business, getting the right insurance is crucial. Whether you’re a small provider or operating a fleet, commercial auto insurance is non-negotiable. However, finding the best insurance rates isn’t always easy, especially if you’re working with programs like Medicaid, which often requires higher coverage limits and specialized policies.

Specialized Insurance for NEMT Providers

We work with top insurance agencies that specialize in NEMT. These agencies don’t just offer standard commercial auto policies—they understand the unique needs of NEMT providers and the specific insurance requirements involved. This means they can help you secure the best possible coverage at competitive rates, tailored to your business.

• Higher Coverage Limits: Depending on the contracts you secure (such as Medicaid), your insurance may need to carry higher limits of liability
• Specialized Policies: Non-emergency medical transportation often requires more than just a standard policy. Coverage might include specific endorsements or riders that protect against the risks associated with transporting patients.
• Private vs. Medicaid Contracts: If you're only offering private transport, your insurance needs may be simpler—and potentially less costly. However, as soon as you work with programs like Medicaid, you’ll likely need higher limits and broader coverage.

Other Insurance Policies You Might Need

Running an NEMT business involves more than just getting vehicles insured. Here are a few other types of insurance you might need to consider:

• General Liability Insurance: Protects your business from claims related to property damage or bodily injury.
• Workers' Compensation Insurance: Required in most states if you have employees, covering medical expenses and lost wages for work-related injuries.
• Professional Liability Insurance: Covers claims related to errors or negligence in the services you provide.