Quick Answer
How much does paratransit insurance cost in Seattle?
Seattle paratransit insurance typically runs $8,000–$13,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Seattle Market Overview
- King County Metro Access Transportation is one of the largest ADA paratransit programs in the US
- Washington Apple Health (Medicaid) serves 2.5M members
- Seattle-Tacoma International Airport (SEA) generates high executive transportation demand
- Washington UTC requires for-hire vehicle licensing for all commercial operators
Coverage Options — Seattle
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL (Washington Apple Health MCO standard) | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Seattle
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Seattle Service Area
Frequently Asked Questions
What insurance do Seattle paratransit operators need for King County Metro?+
King County Metro Access requires $1M commercial auto liability, $1M general liability, abuse and molestation, and workers' comp for contracted paratransit providers. Washington UTC also requires authority for commercial transportation.
How does Washington Apple Health manage NEMT in Seattle?+
Apple Health MCOs (Molina WA, Coordinated Care, Amerigroup WA) each contract NEMT providers directly. You'll need separate credentialing and COIs for each MCO you want to work with.