Non Emergency Medical Transport Auto Insurance (NEMT)

Commonly known as NEMT insurance. We specialize in helping Non-Emergency Medical Transportation companies find and maintain the correct amount of insurance including auto, general liability and workers compensation to make sure that your business, employees and your customers are all protected without breaking the bank.

NEMT - Non Emergency Medical Transport Insurance
NEMT – Non Emergency Medical Transport Insurance

Compare top Public Auto (NEMT) Medical Transportation insurance companies and get your free quotes with the easy form below. Phone support and assistance is available at (855) 910-9321  or (833) 593-0790 .

As a family owned and operated multi-state independent insurance agency for over 33 years we maintain direct quoting authority with insurance companies offering NEMT insurance and take pride in fast turnaround time concerning rate quotes for your medical transportation business. We have the ability to quote and bind coverage the same day in most cases.

Many people ask. How much does NEMT or non emergency medical transportation insurance cost? That is a really tough question because rates can vary from heavily populated areas to those in more rural areas. No company has a set NEMT Insurance rate because many factors go into your rate development. We will have to work you up a custom quote to produce a rate for your business.

Many people also ask.  What is NEMT insurance?

NEMT Insurance typically refers to minimum requirements for commercial auto insurance to first meet state or federal mandated minimums for transporting passengers and then to meet the real world requirements of NEMT brokers who typically require much more than state minimum liability coverage to work for them.

If your NEMT operation has a DOT or MC # your requirement minimum will be based upon federal requirements.

For-Hire Versus Private Carriers

Any time a passenger carrier receives compensation for transporting passengers, it is considered for-hire. Unless subject to an exemption, all for-hire passenger carriers in interstate commerce must:
•Obtain FMCSA operating authority registration (no matter how small or light the vehicles used);
•Obtain and file minimum levels of financial responsibility (insurance): $1.5 million for operating vehicles of 15 or fewer passengers including the driver; $5 million for operating vehicles of 16 or more passengers including the driver; and
•Designate a process agent, a representative that can be served with court papers in any legal proceeding brought against a motor carrier.

Tips for For-Hire Status
•A not-for-profit organization can be a for-hire passenger carrier if the organization receives compensation.
•For-hire does not require the transportation to be available to the public.
•If a trip includes both private passengers and passengers providing compensation, it is a for-hire trip.

•Medical Transportation providers such as wheelchair van transportation services
•Non-Emergency Medical Transportation (NEMT’s) providers such as rides to medical appointments
•Emergency Transportation providers such as ambulance services
•ParaTransit is acceptable
•Volunteer ambulance companies are acceptable

Examples: Ambulances, rescue squad vehicles, non-emergency medical transportation autos, medical provider courtesy vehicles and others.

Liability, Physical Damage, Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM), Medical Payments, General Liability, Workers Compensation and Excess Liability.

Limits Available: We offer higher liability limits than many insurers. You may be eligible for limits as high as five million dollars. Contact us for details and availability in your state.

Regulatory Filings: Many NEMT businesses require federal or state authority to operate. Upon request, we can make a required governmental filing. Contact us for more details.

NEMT Auto Liability
Liability coverage pays for Bodily Injury and Property Damage for which you are liable up to the policy limits you choose.

Physical Damage
Physical damage coverage pays for damage to your vehicle.

Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM)

Uninsured and Underinsured Motorist Coverage protects an insured when someone injures them and has no insurance (UM coverage) or lacks sufficient insurance to pay for the damages (UIM coverage).

Medical Payments
Medical payments coverage pays for medical bills for occupants of a covered vehicle.

Traditionally NEMT insurance is something that preferred commercial carriers stay away from. For us this has been a class of business that we have had great success with over the last few decades. No matter the size or situation, we’d love to quote your business. With a dedicated Transportation Underwriter and markets that have the experience to handle just about any risk or most situations.

We have great success insuring NEMT’s and Public Auto type companies from one to large fleets such as:

4 Wheel Drive Tours • Airport Shuttles • Athlete Buses • Bingo/Casino Transportation • Charter Buses • Church Buses • Courtesy Autos • Day Care Center Autos • Dial-A-Ride • Employee Transport • Group Home Autos • Head Start Program Autos • Hotel Shuttles • Kiddie Transport • Limousines (Most All Types) • Medical Courtesy Autos • Metropolitan Buses • Musician Buses • Non-Emergency Medical Transportation • Party Buses • School Buses (Private or Public Owned) • Senior Citizen Center Autos • Sightseeing Buses • Social Service Agencies • Taxis • Trolley Buses • Visiting Nurses • Wilderness Expeditions.

Financial Responsibility

The required level of financial responsibility (insurance or other acceptable security) for for-hire, interstate passenger transportation is determined by the highest seating capacity of your vehicles. Vehicles with a seating capacity of 15 or fewer passengers (including the driver) require $1.5 million of coverage, and $5 million is required for vehicles with a seating capacity of 16 or more passengers (including the driver).

So you are thinking of working for NEMT Brokers? If you are a new startup this could be a costly endeavor as they require many additional coverage’s that the typical NEMT companies may not ever need such as:

a. General Liability coverage of at least $1,000,000 (broad form and occur-made policy)
i. Abuse and Molestation coverage of at least $1,000,000 coverage per occurrence
1. We also accept the following sentence to be listed under the description of operations section:
a. “The General Liability policy contains no exclusions or sublimit for Abuse or Molestation coverage.”
b. Automobile liability of at least $500,000 (symbols 1 or symbols 2, 8 & 9 – symbol 7 is not acceptable) most companies issue as symbol 7, specifically described or listed vehicle/s.
c. Additional Insured status is required and adds more cost to your insurance in respect to general liability & automobile liability.”
d. Worker’s Compensation coverage – If you require this coverage, please provide a certificate of insurance that list this coverage.

The FMCSA Support Team can answer more questions for those operating interstate.

Federal Motor Carrier Safety Administration
1200 New Jersey Ave SE
Washington, DC 20590
United States
Phone: 800-832-5660
Business Hours: 9:00 A.M.-5:00 P.M. ET, M-F

DISCLAIMER: NEMT Insurance Coverage’s may vary by state and by insured business operations, drivers, vehicles and with what companies they do business with such as NEMT brokers. Consult your agent about coverage you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy that we offer.

The NEMT insurance programs are available for companies moving people for medical purposes only and is available in Alabama-AL, Alaska-AK, Arizona-AZ, Arkansas-AR, California-CA, Colorado-CO, Connecticut-CT, Delaware-DE, Florida-FL, Hawaii-HI, Idaho-ID, Illinois-IL, Kentucky-KY, Louisiana-LA, Maine-ME, Maryland-MD, Massachusetts-MA, Michigan-MI, Minnesota-MN, Mississippi-MS, Missouri-MO, Montana-MT, Nevada-NV, New Hampshire-NH, New Mexico-NM, New York-NY, North Dakota-ND, Ohio-OH, Oklahoma-OK, Oregon-OR,  Rhode Island-RI, South Dakota-SD, Texas-TX, Utah-UT, Vermont-VT, Washington-WA, West Virginia-WV, Wisconsin-WI, Wyoming-WY by calling (855) 910-9321 .