Non-Emergency Medical Transportation Insurance

Serving States: Florida – Georgia – Michigan

When you are in the business of transporting a passenger with a medical condition from home to the doctor’s office, arranged on a pre-scheduled pickup appointment, then you need to protect your transportation business with a special policy called non-emergency medical transportation insurance.

Why do you need this type of commercial Auto Insurance policy?

This specialized commercial auto insurance policy ensures passengers sitting in your vehicle during transit, with a liability limit up to $300,000, $500,000, or $1 million for bodily injury, which your employees may accidentally cause to your passengers, whom you transport from their homes to the medical facilities.

This non-emergency medical transportation insurance policy you purchase through G. Zein Insurance Services does protect your company against any lawsuit filed by your passengers, claiming that:

  1. If your driver was driving carelessly; then, your passenger suffer physical & emotional pain.
  2.  Or, your driver may get involved in an accident and cause additional bodily injury to passengers. 
  3. Or during loading or unloading of a disabled passenger on a wheelchair into your vehicle, your passenger falls off the wheelchair. 

Why is non emergency medical transportation insurance an expensive policy?

Typically, in the 1st three years, non-emergency medical transportation insurance carriers do charge a higher premium due to the minimum experience you may experience in this transportation industry. Therefore, it might cause insurance companies to defend you in the event of a lawsuit and eventually cost them to pay a large sum of money to settle any claim.

Is it required by the local county to carry passengers Ambulatory Insurance in Florida?

  1. Yes, if you are in the business of transporting passengers with a medical condition, the local county does require all transportation companies to comply with the County regulations, and carry specialized commercial vehicle insurance with a minimum of $300,000 policy limit.
  2. Furthermore, if you acquire a written contract with transportation providers in Florida, you are required to carry these types of Insurance policies, in addition to a general liability insurance policy. also it is mandatory to name these providers as additional insured on your policy to protect their interest.

6 Tips to Reduce your Insurance cost?

  1. Do hire drivers with a minimum of two years experience, driving a vehicle equipped with a wheelchair lift or stretcher, make sure they have a clean driving record.
  2. Encourage your drivers to obtain first aid certification, including CPR.
  3. Encourage your employees to be patient with passengers in a wheelchair, especially when entering your vehicle.
  4. Service your vehicles every month by checking all mechanical parts.
  5. Instruct your employees to drive within the speed limit to minimize any possible accidents that might harm the passengers.
  6. Do check periodically your employee’s driving record to ensure compliance with your insurance company requirements.

What to do Next to obtain a non emergency medical transportation insurance quote?

For more Insurance questions and the cost of non-emergency medical transportation insurance in Florida, feel free to call us at (866) 454-9555 or (954) 454-9555, we are here to help you get proper coverage and affordable premium.