Non Emergency Medical Transportation InsuranceAffordable Rate for Non Emergency Medical Transportation Insurance in Florida.

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What is Non Emergency Medical Transportation Insurance?

N.E.M.T. is a unique type of commercial auto insurance program, designed specifically for para-transit services, and ambulance transportation. The policy is structured according to Florida insurance companies classification for pre-scheduled arrangement pickup.

The N.E.M.T. policy is intended specifically for businesses delivering door-to-door transportation services, normally from customers’ home to medical facilities, includes people with disability and older-aged patient, none of whom are able to ride public transportation.

What are the permit requirements for NEMT?

Para-transit service companies are usually compensated by hospitals, medical clinics, medicare, medicaid, and private pay. Therefore, State and County government agencies have mandatory rules requires every medical transportation company to carry adequate NEMT insurance to protect medical patient during transportation.

What kind of Insurance do I need for Passenger Transportation:

  • Physical loss of your vehicles in the event of a theft or accident.
  • General liability is necessary to cover any lawsuit filed by a passenger traveling in your vehicle against your driver for reckless driving.
  • Professional Liability to cover your passengers against any physical and sexual abuse acted by your employees.
  • Commercial automobile insurance liability to protect your passengers during transportation between two locations, in the event they get injured in your vehicle.
  • Excess liability (optional).

Does State of Florida mandate Passenger Medical Transportation Insurance?

Florida local authorities mandated all non-emergency medical transportation companies to obtain commercial auto coverage with a minimum limit of $300,000 per policy.

  • What happens if your vehicle accidentally breaks down during a trip and your passenger is injured in your vehicle?.
  • What happens if your reckless driver unintentionally injured a patient sitting in your vehicle?.

All of these possibilities mean Liability to You. “Risk” is something that an insurance policy can help you to offset the loss. It is important to evaluate the financial risk your company might face and pursue getting a proper policy.

What to do next before renewing your Patient Transportation Insurance Policy?

Call Us today to check our rates for non emergency medical transportation insurance, underwriting by reliable N.E.M.T. carriers, or talk with G. Zein Insurance Services to discuss the County Insurance requirements. Contact us now at (866) 454-9555, (954) 454-9599 or email to

What type of coverage NEMT Insurance offer?

  1. Commercial Auto Liability – This coverage protects your company against a third-party claim, also it covers your passengers for bodily injury while riding in your vehicle.
  2. Comp and Collision – This coverage compensates you for any physical damage done to your vehicle in the event of a theft or accident.
  3. Hired Auto Insurance – To protect your company in the event you hired, leased, rented, or borrowed a vehicle to service your business.
  4. Non-Owned Auto Insurance – To cover your company in the event one of your employees used his vehicle to conduct business on your behalf.
  5. Uninsured Motorist – This coverage compensates your passengers in the event your vehicle gets involved in an accident, and the other party carries no auto liability insurance.
  6. Loading & Unloading of Passengers – This type of protection is covered under a Professional Liability policy, and it is designed to cover your passengers, if your employees caused any physical injury when helping the passengers getting in and out of your vehicle.

What type of Vehicles we do insure?

An example of an active form of non emergency medical transportation insurance for specialty vehicles such as:

  • Standard Sedan Vehicle.
  • Van with special equipment – wheelchair ramps.
  • Van with special equipment – wheelchair lift.
  • An Ambulance with Stretcher.

NEMT insurance policy is important to your business in two ways:

  1. Protecting your employees and your business from the cost of paying out medical claims due to a car accident, to passengers sitting in your company vehicle during transit.
  2. Your business remains compliant with the local government- mandated to carry a liability insurance program when operating a medical transportation business.

4 steps to save money on your non emergency medical transportation Insurance:

  1. Multiple Vehicles get additional discounts.
  2. Proof of monthly maintenance of your vehicles.
  3. Hire drivers with a minimum of 2 years’ experience and have a clean driving record.
  4. Additional discounts for having a continuous policy with 3 years claims-free.

Is your NEMT Business insured today?

We are here to help you evaluate your current insurance policy. Since the cost of this insurance typically rises when an insurance policy is renewed, now is the right time to shop for a comparable non emergency medical transportation insurance carriers rates and limits.