NEMT insurance
Every vehicle in a NEMT business must have commercial auto liability, and brokers like MTM will also want general liability and workers' compensation.
Companies that write NEMT insurance
| Company | What they write | How to get a quote |
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| NEMT Insurance, LLC (nemtins.com)Program | Commercial policies sold only to non-emergency medical transportation companies and businesses like them | Online application |
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| Progressive CommercialCarrier | NEMT cover as for-hire livery commercial auto insurance | Online quote, or call a licensed agent |
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| InsureonAgency/marketplace | Quotes from several carriers, placed side by side, for NEMT and paratransit businesses. | You apply online, compare the quotes you receive, and a licensed agent can help as well. |
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| General Star (GenStar)Carrier | Professional liability policy for non-emergency medical transport | Through an insurance broker |
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| RLI Transportation (E&S Auto)Carrier | NEMT and paratransit fleets rejected by standard carriers can get auto cover here (excess and surplus lines). | Only through a wholesale insurance broker |
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| National Interstate (natl.com)Carrier | Covers fleets of any size with NEMT and paratransit insurance | Through its team or your broker |
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| ARCW Leavitt Insurance Services (Leavitt Group)Agency/marketplace | Cover for a NEMT company: workers' compensation, commercial auto, property, general liability, abuse and molestation, directors and officers. | Online quote request, finished with a representative |
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| Prime Insurance CompanyCarrier | When standard carriers say no, medical transportation fleets can still get «Commercial» auto through excess and surplus lines | Get it from an insurance agent, apply online, or use a downloadable application |
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| Amwins / Draco (Paratransit/NEMT program)Program | A program covering NEMT plus transportation for people with special needs or in wheelchairs | Through a select group of retail insurance brokers |
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NEMT business coverage
| Cover | What it pays for |
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| Commercial auto liability | Harm you cause to other people or their property with business vehicles; state law requires this cover. |
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| Commercial auto (Insureon description) | Financial losses from auto accidents that involve the vans, buses and other vehicles of the business. |
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| Physical damage – collision | Fixes or replaces your NEMT vehicle after a crash |
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| Physical damage – comprehensive | Non-collision losses such as theft, vandalism, weather |
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| Medical payments | Medical bills for drivers and passengers hurt in a crash |
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| General liability | Third-party lawsuits, e.g. a passenger injured during transport |
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| Professional liability (errors and omissions) | Pays your legal defense if you're sued over a missed appointment or other professional negligence |
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| Workers' compensation | Medical costs when employees are hurt at work; most states require it for NEMT businesses with employees |
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| Hired and non-owned auto (HNOA) | Vehicles that are personal, rented or leased and used for the NEMT service |
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| Hired auto | Leased, rented or borrowed vehicles |
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| Excess auto liability (umbrella-type) | Limits on top of the primary auto policy (no carrier page we fetched describes a general 'umbrella' policy) |
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| Abuse and molestation | Allegations of abuse or molestation: your defense, settlements and judgments |
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| Cyber | Recovery from a data breach or cyberattack |
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| Business owner's policy (BOP) | General liability and commercial property bundled |
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| Directors & officers liability | Managers sued over business decisions |
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| Wheelchair lift / equipment rider | Lifts and specialised equipment may require a rider added to the auto policy |
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