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Paratransit and Non-Emergency Medical Transportation (NEMT) Insurance
What kind of work do you do?
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Why do NEMT businesses need insurance?
A missed ride could delay an important test, treatment, or diagnosis, which could result in a lawsuit. Business insurance helps pay for legal battles with dissatisfied passengers. It also covers auto accidents, wheelchair tipovers, property damage, and data breaches.
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With Insureon, small business owners can compare quotes from leading insurance carriers with our easy online application.
A licensed insurance agent will help you find the right coverage for your non-emergency medical transportation business.
What types of insurance do you need for non-emergency medical transportation?
These insurance policies cover common risks faced by NEMT businesses and paratransit services.
General liability insurance
This policy covers third-party lawsuits, such as a passenger in a wheelchair who suffers an injury during transport. It's often the first policy purchased by a small business.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Slander and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for NEMT companies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidents that harm passengers
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
This policy covers financial losses from auto accidents involving your business's vans, buses, and other vehicles. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Auto accident injuries
- Property damaged by your vehicle
- Vehicle theft and vandalism
Workers' compensation insurance
Most states require workers' comp for NEMT businesses that have employees. It also covers work-related medical costs for sole proprietors, which health insurance can deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Workplace injury lawsuits
Cyber insurance
This policy helps NEMT services recover financially from a data breach or cyberattack. It's recommended for any business that stores email addresses or other customer information.
BEST FOR
- Data breach investigations
- Fraud monitoring services
- Customer notification costs
Errors and omissions insurance
E&O insurance covers legal defense costs when a NEMT driver is sued for a missed medical appointment or other professional negligence. It's also called professional liability insurance.
BEST FOR
- Unexpected delays
- Breach of contract
- Scheduling errors
Looking for different coverage? See more policies.
How much does non-emergency medical transportation insurance cost?
A non-emergency medical transportation business with only a few drivers can expect to pay less for insurance than a bigger business.
Factors that affect the cost of business insurance include:
- Transportation services offered, such as ambulance services or paratransit for special needs passengers
- Types of vehicles, such as cars, buses, or wheelchair accessible vans
- Business revenue
- Number of employees
- Employee driving records
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
How do I get non-emergency medical transportation insurance?
It's easy to get NEMT insurance coverage and other kinds of livery insurance if you have your business information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. providers to find insurance solutions that fit your NEMT business, whether you're a sole proprietor or you hire employees. Get peace of mind knowing you have the right protection for your risks.
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FAQs about non-emergency medical transportation insurance
Review answers to common questions about NEMT insurance policies.
What are the non-emergency medical transportation insurance requirements in my state?
Every NEMT vehicle must comply with state laws, which require commercial auto insurance for business-owned vehicles. The type and amount of auto liability insurance you need depends on your state laws as well.
If you drive a personal, rented, or leased vehicle for your NEMT service, then you can save money by opting for hired and non-owned auto insurance (HNOA) instead of a commercial policy. Keep in mind that your personal auto policy won't cover business use.
NEMT companies and other for-hire transportation businesses often have additional requirements based on federal laws or the regulations in their city, county, or other locality. Typically, this depends on:
- Where you operate
- Type of vehicle, such as wheelchair van or bus
- The vehicle's seating capacity
Wheelchair lifts and other specialized vehicle equipment might not be covered by a standard commercial auto liability policy. You can add this coverage as a rider to your policy.
The medical facilities or healthcare networks you work with, including Medicaid, may have their own insurance requirements as well.
What are the insurance requirements for paratransit services?
Businesses that offer paratransit services for individuals with disabilities need the same types of insurance as other non-emergency medical transportation businesses. In addition, they need to comply with the Americans with Disabilities Act (ADA) Complementary Paratransit Service Requirements.
As with NEMT businesses, paratransit services will need to research their state's commercial auto insurance laws to find out how much coverage they need to carry, which typically depends on the type of vehicle and its capacity.
The purpose of paratransit is to provide transportation for individuals with disabilities who cannot use public transit. That means you must also provide coverage for specialized risks, such as service animals, assistants, people with disabilities, and elderly individuals.
What is an example of a paratransit vehicle that can be covered by insurance?
With Insureon, you can get coverage for:
Every type of vehicle must have the coverage outlined in your state's laws. In the case of motor carriers that cross state lines, you'll also need to comply with the Federal Motor Carrier Safety Administration's (FMCSA) regulations and insurance requirements.
How do I find affordable paratransit insurance and NEMT insurance?
A small NEMT business with low risks doesn't have to pay a lot for insurance. Here are a few ways to save money on your policies:
- Shop around. Insurance providers often have different pricing for the same types of coverage. Fill out our easy online application to compare NEMT insurance quotes before you buy a policy.
- Choose a higher deductible. Policies with a higher deductible cost less. However, you need to pay the deductible in full before you can collect on a claim.
- Lower your limits. The lower the limits, the cheaper the policy. But remember, your provider will only cover claims up to the policy's limits.
- Pay annually. Most insurance companies offer a discount when you pay the full annual premium instead of monthly payments.
- Avoid unnecessary extras. Some insurance policies cover a broader range of incidents, but you might not want to pay more for it. For example, opting out of comprehensive coverage helps you save money on auto insurance, though you won't be covered for physical damage like falling branches or animal collisions.
Remember, the least expensive policy isn't necessarily the best choice. The whole purpose of insurance is to save you money in the long run, so make sure your policy provides enough coverage for an accident or lawsuit.