Federal ADA Paratransit Standards
ADA Section 37.125 requires transit agencies to provide paratransit service to ADA-eligible passengers within 3/4 mile of fixed routes. Contracted operators must carry liability insurance as specified in the transit agency contract — typically $1M to $5M depending on the agency and contract value.
California Paratransit Requirements
California ADA paratransit contracts (run by agencies like LA Metro, BART, Caltrans) typically require $5M auto liability. Medi-Cal NEMT contracts require $1M. CPUC TCP permit is required for non-transit agency operations. Workers' comp required for all employees.
Illinois (Chicago) Paratransit Requirements
Pace ADA paratransit (suburban Chicago) requires $1M auto liability, $1M general liability, and abuse and molestation. CTA Access requires similar limits. Chicago BACP licensing requires proof of insurance before any permit is issued.
Florida Paratransit Requirements
Florida SMMC paratransit requires $1M commercial auto + PIP/PDL + $1M general liability + abuse and molestation + workers' comp. County ADA paratransit contracts (Miami-Dade, Broward, Palm Beach) typically require $5M auto liability for contracted operators.
New York Paratransit Requirements
MTA Access-A-Ride contracted operators must carry $5M auto liability. NYC TLC-licensed paratransit vehicles follow TLC coverage rules ($100K/$300K + SUM). NY Medicaid paratransit requires $1M. Operators in New York face the highest claim severity and premium levels in the country.