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Non-Emergency Medical Transportation Insurance
Reliable coverage for your NEMT vehicles and operations
Specialized coverage for non-emergency medical transportation vehicles
Non-emergency medical transportation (NEMT) companies play a vital role in helping people access the medical care they need. Elderly patients, individuals with disabilities, and others who can't drive rely on scheduled rides to get to and from their appointments. Keeping passengers and vehicles safe is a top priority for NEMT providers. Progressive Commercial offers insurance that meets the needs of this essential type of transportation business.
What is non-emergency medical transport insurance?
NEMT insurance is a type of for-hire livery coverage that protects business vehicles used to take patients to medical appointments on a pre-arranged basis.
Non-emergency medical transport operates differently from other livery services. Unlike taxis or rideshare providers, NEMT businesses are often reimbursed by Medicaid or medical service providers, which creates unique coverage requirements.
NEMT vehicles also differ from traditional ambulances. They typically use commercial autos like minivans, passenger vans, and SUVs rather than emergency vehicles equipped with lights and sirens, which impacts the types of risks they face and the protection they need.
Keep your vehicles, drivers, and passengers protected with NEMT insurance from Progressive Commercial. Get an online quote in minutes or reach out to an agent to find the right coverage.
Who needs NEMT insurance?
Every passenger transport vehicle needs to carry insurance. State commercial auto insurance requirements vary, but most mandate auto liability to cover injuries and property damage. You may also have to follow Federal Motor Carrier Safety Administration rules if your business is for-hire.
Businesses, agencies, and government programs that you contract with may also have specific insurance requirements to adhere to. The experts at Progressive Commercial can help you find the right coverage for your operation.
What does NEMT insurance cover?
NEMT insurance coverage depends on the commercial auto protections you select. Some coverages, like vehicle liability, are required by state law and help pay for injuries or property damage you cause to others. Additional coverages NEMT businesses often consider include:
- Collision: Covers the cost to repair or replace your NEMT vehicle if it's damaged in an accident with another vehicle or object.
- Comprehensive: Protects your vehicle from non-collision losses like theft, vandalism, and weather-related damage.
- Medical payments: Pays for medical expenses for drivers and passengers who are injured in an accident.
- Hired auto: Extends your protection to leased, rented, or borrowed vehicles, ensuring you and your employees are covered when driving.
Non-emergency medical transportation insurance requirements
Insurance carriers often set specific NEMT insurance requirements that can affect your eligibility. These may include guidelines on:
- Vehicle age and seating capacity: Some carriers place restrictions on older vehicles or those with a higher number of seats.
- Driver age and qualifications: Younger drivers or those with limited experience may affect your eligibility or premium rates.
- Vehicle features: Vehicles with lightbars, sirens, or life support equipment like oxygen tanks are usually excluded.
- Safety equipment and written procedures: Insurance companies may have specific guidelines for vehicles equipped with wheelchair lifts or ramps.
Municipalities and private facilities you work with may also set their own minimum insurance requirements for NEMT providers. Review your contracts carefully so you know what's expected and can choose a policy that fully supports your NEMT business.
State insurance requirements for NEMT
Due to the nature of transporting vulnerable patients, most states require specific NEMT insurance coverage limits. For example, California mandates $1 million in liability coverage, while Florida has a minimum of $300,000. Check with your state's department of transportation or Medicaid office to confirm what's required where you operate.
How much does NEMT insurance cost?
How much you pay for NEMT insurance depends on a variety of factors, including your:
- Location and travel radius
- Driving history
- Vehicle's age and type
- Vehicle's value, including equipment
- Claims history
- Coverage needs
Make sure you're not risking quality coverage for a cheaper insurance rate. It's important to have a non-emergency medical transportation insurance policy that both fits your budget and offers adequate protection.
Learn more about factors that affect your commercial auto insurance rate.
Common ways to save on NEMT insurance
Insure your NEMT vehicles with the #1 commercial auto insurer in America.* We write non-emergency medical transportation insurance in select states and offer several discounts to help you save.† Here are just a few:
- Years in business: Save on your premium if you've been in business for three years or more.
- Prior livery experience: Qualify for a discount when you have previous experience transporting people.
- Existing business insurance: Earn additional savings if you already carry an active BOP or general liability policy.
- Paying your policy in full: Get 10% or more off your premium when you pay your policy up front.‡
Explore all discounts to maximize savings and reduce your insurance rate.
Why choose Progressive Commercial for NEMT insurance
A Progressive Commercial policy also gives you access to expert customer support, in-house claims adjusters, flexible coverage options, and convenient payment options. Call us today to speak with a licensed agent who'll help you get the protection you need for your non-emergency medical transportation business. You can also start a NEMT insurance quote online.
