Non Emergency Medical Transportation Insurance

Affordable rates from A-Rated by AM Best company for Non-Emergency Medical Transportation (NEMT) Insurance up to $1 Million in auto liability limit.

Whether you’re a new operation or an established fleet, we help NEMT companies get the coverage they need.

Competitive rate available for NEMT companies with 3+ years in business (subject to Underwriting).

Serving States: Florida – “also Serving Georgia, Michigan, and California”.

📞 Call (954) 454-9599 for an insurance review of Coverages & Limits!

What type of NEMT vehicles we can insure?

• Standard Sedan Vehicle.
• Van equipped with a Stretcher-Capable.
• Van equipped with a Ramp or Wheelchair-accessibility.

What are the State of Florida insurance requirements for NEMT companies?

Para-transit service companies normally get paid by hospitals, medical clinics, medicare, Medicaid, transportation brokers and private pay. Therefore, the State and each local County Government agency have a mandatory order that requires all medical transportation companies to carry a specific N.E.M.T. insurance policy limit that varies from $100,000 to $1,000,000 limit depending the County where you business is located, Insurance policy to cover medical expenses for passengers during transportation.  

What type of insurance do I need for NEMT transportation?

• Auto Physical Coverage – This coverage reimburses your company in the event of a theft or accident to your vehicle.
• General liability Policy – to cover your business against any lawsuit filed by a passenger traveling in your vehicle, against your driver for reckless driving.
• Professional Liability Insurance – it covers your legal expenses in the event the passenger is claiming he received wrongful back up emergency medical services served by your employees during patient transportation to hospital. This policy covers Loading & Unloading of Passengers.
• Commercial Automobile Liability – This is a necessary policy required by the State of Florida to run your NEMT business , this policy does cover the passengers for any physical injury in the event of an unexpected accident during transportation between the passenger home and the medical facilities.

Does State of Florida mandate Non Emergency Medical Transportation insurance?

YES, Florida’s local government transportation compliance department mandate all active non-emergency medical transportation (NEMT) companies carry commercial auto insurance policy, with minimum limit of $100,000/$300,000/$50,000 per policy. The reason for these requirements are:

• What happens if your vehicle accidentally breaks down during a trip and your passenger is injured inside your vehicle?
• What happens if your reckless driver unintentionally causes an accident injures a passenger riding in your vehicle?

These scenarios can trigger a Liability lawsuit against your company, potentially resulting in significant medical expenses, legal fees and settlements. Risk is something that an insurance policy can help you offset the loss. It is important to evaluate the financial risk your company might face and pursue a proper insurance policy.

Talk with an NEMT insurance expert before renewing your current policy.

Check our rates for non emergency medical transportation insurance; underwritten by reliable A rated by AM Best insurance carriers. Or call today G. Zein Insurance Services  @ (954) 454-9599 to discuss Insurance plans and options, or email to Support@floridainsurance.ws

9 types of coverage commonly included in NEMT insurance policy?

1. Commercial Auto Liability – This coverage is required to run your NEMT business, this policy does protect your company against third-party legal claims derived from an auto accident occurred on the road.
2. Passenger Liability – This policy covers injuries sustained by passengers while being transported in your vehicle.
3. Comprehensive and Collision Coverage – This coverage indemnifies you for any physical damage done to your vehicle in the event of a theft or accident.
4. Hired Auto Insurance – To cover your company against any liability claim in the event you hire, lease, rent, or borrow a vehicle under a verbal or written contract for transportation of Passengers.
5. Non-Owned Auto – To cover your company against any liability claim in the event that one of your employees uses his vehicle to conduct public transportation on behalf of your company.
6. Uninsured Motorist – This coverage pays for bodily injury treatment to your passengers when your vehicle gets involved in an accident, whereas the other vehicle carries no auto liability insurance.
7. Loading & Unloading of Passengers – This is a primary challenges in NEMT operations. Loading & Unloading is covered under commercial auto liability policy, and it is designed to protect your business in the event your employee accidentally or negligently caused bodily injury to your passengers during Loading or Unloading of any passengers to and from your vehicle or mobile equipment.
8. Personal Injury Protection – This line of coverage pays for medical treatment to all passengers including drivers in the event of an accident that happened during transportation.
9. NEMT Workers Compensation – This policy covers medical expenses and lost wages for your employees if they are injured while on the job, Workers Compensation is mandatory in the State of Florida for companies with 4 + Employees.

7 Underwriting factors that affect your NEMT Insurance  policy premium?

1. Hire Experienced Drivers – with a minimum of 2 years of driving experience and a clean driving record.
2. Maintain a Continuous Insurance – additional discounts are available for having a continuous policy with claim-free insurance history
3. Promote Safe Driving Practices – Consistent  communication with your drivers regarding passengers safely and driving practices.
4. Provide CPR & Basic First Aid Training – Encourage your drivers to complete an online training course in CPR & Basic First, it helps minimize liability exposures.
5. Documents Regular Vehicle Maintenance – Maintain monthly vehicle maintenance record. This is an indication to the Underwriter that your vehicles are being properly inspected and maintained.
6. Require Passengers Service & Safety (P.A.A.S.) Training – Have your drivers complete an online training course for Passenger Service and Safety (P.A.S.S.), this course is required by the State of Florida, and it help reduce potential liability exposure.
7. Install Dash Cameras – Consider installing dasg cameras inside your vehicle, where legally permitted and appropriately disclosed. to record any incident that occurs during transportation; it help monitor your driver’s behavior, and provide valuable information to your insurance company in determining the legitimacy of a reported claim.

A strong safety and risk-management program can help demonstrate to Insurance companies that your NEMT operation is committed to protecting your passengers, your drivers, your vehicles and your business.

Why NEMT insurance policy is important to your business?

1. It protects your employees and your business against the legal obligation of paying out medical expenses because of an injury caused to passengers sitting in your vehicle during transit.
2.  It ensures that your business remains compliant with the local government license’s mandate to carry a liability insurance policy when operating a Public transportation business.

Is your NEMT business properly protected today?

We are here to help you evaluate your current NEMT insurance policy. Since the cost of NEMT insurance policy typically is high, it is the right time to shop for comparable non emergency medical transportation insurance rates and coverages. Call us today at (954) 454-9599 , we are here to help You!

ALL NEMT INSURANCE INQUIRIES ARE WELCOME.