We have some of the best rates available in the states of TN and GA for Non Emergency Medical Transport and Public Livery Insurance.
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NEMT Insurance typically refers to minimum requirements for commercial auto insurance to first meet state minimums and or any federal filing requirements 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.
Tennessee and Georgia For-Hire Versus Private Carriers or transporters of people.
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.
Coverage that we have in TN and GA are appropriate for:
•Medical Transportation providers such as wheelchair van transportation services
•Non-Emergency Transportation 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.
NEMT and Public Auto Coverages:
Liability, Physical Damage, Uninsured Motorist Coverage (UM) & Underinsured Motorist Coverage (UIM), Medical Payments, General Liability, Workers Compensation and Excess Liability.
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 Coverage
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 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 in Tennessee and Georgia 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 (All Types) • Medical Courtesy Autos • Metropolitan Buses • Musician Buses • NEMT – Non-Emergency Medical Transportation • School Buses (Private or Public Owned) • Senior Citizen Center Autos • Sightseeing Buses • Social Service Agencies • Taxis • Trolley Buses • Visiting Nurses • Wilderness Expeditions.
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).
DISCLAIMER: NEMT Insurance Coverage’s may vary by state and by insured business. 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.