Insurance Guide

Medical Transportation Insurance Checklist

Whether you're starting a new medical transportation operation or reviewing existing coverage, this checklist ensures you're fully protected and compliant with your Medicaid broker, state regulator, and local permit office. Use this before every renewal and every new contract enrollment.

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Auto Liability — The Foundation

Commercial auto liability is the core of any medical transportation policy. Minimum: $1M CSL for Medicaid broker contracts. Recommended: $1M for standard NEMT; $5M for stretcher or bariatric transport. Always confirm the limit required by your specific managed care contract — some require $2M or more.

General & Professional Liability

Most Medicaid brokers require $1M general liability AND $1M professional liability (errors and omissions). These cover bodily injury and property damage NOT caused by a vehicle, plus claims of improper care, missed appointments causing medical harm, or failure to follow transport protocols.

Abuse and Molestation

Every Medicaid broker — Modivcare, MTM, Veyo, Access Services, and every state MCO — requires abuse and molestation coverage. Minimum $1M. This is non-negotiable. We include it standard on every medical transportation policy we write.

Workers' Compensation

Required from your first employee in most states. Rates for medical transportation drivers run $4–$8 per $100 of payroll. Do not classify employees as 1099 contractors to avoid workers' comp — this is the most commonly audited area in NEMT and the penalties are severe.

Coverage Checklist

  • $1M commercial auto liability per occurrence ($5M for stretcher/bariatric)
  • $1M general liability per occurrence
  • $1M professional liability per occurrence
  • Abuse and molestation — $1M minimum
  • Workers' compensation for all W-2 drivers
  • Hired and non-owned auto liability
  • Wheelchair passenger endorsement (if operating WAVs)
  • Uninsured/underinsured motorist
  • Physical damage (comprehensive + collision) for owned fleet
  • Excess/umbrella — $2M–$5M recommended for fleets

Documents Needed to Quote

  • Complete driver roster (name, DOB, license number, hire date)
  • Vehicle list (VIN, year, make, model for each vehicle)
  • Copy of Medicaid provider agreement / broker contract
  • 5-year loss run history from current carrier
  • State/county permit or authority document
  • Certificate of vehicle inspection (if required by state)
  • Drug & alcohol testing program documentation

Ready to get a quote?

Most quotes returned within one business day. Same-day COIs after binding.

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Frequently Asked Questions

Which documents do I need to get a medical transportation insurance quote?+

You need: driver list, vehicle list with VINs, 5-year loss runs, your Medicaid provider number, and a copy of your broker contract (Modivcare, MTM, etc.). We can typically turn a quote in 24–48 hours with these documents.

How fast can I get a COI for a new Medicaid contract?+

Same business day after binding — we issue COIs naming your broker as additional insured immediately. If you're starting a new broker enrollment, we can issue a binder letter while the policy processes.

Do I need separate policies for auto and general liability?+

Not necessarily. We can package auto liability, general liability, professional liability, and abuse and molestation into a single program with one carrier, one renewal date, and one payment. This simplifies your COIs and avoids coverage gaps between separate policies.

Related Coverage

NEMT InsuranceAmbulette InsuranceWheelchair Van InsuranceMedical Transportation Insurance

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