Overview
Ambulance and Emergency Medical Services (EMS) providers face unique risks that require specialized insurance coverage. From responding to emergencies at high speeds to providing life-saving medical care, your operations demand comprehensive protection that understands the critical nature of your work.
Our ambulance insurance program provides tailored coverage for BLS (Basic Life Support), ALS (Advanced Life Support), critical care transport, and air ambulance operations. We work with A-rated carriers who understand EMS operations and provide the specialized coverage you need.
Who Needs This Coverage?
Coverage Includes
Comprehensive protection designed specifically for ambulance and EMS operations.
- Bodily injury and property damage
- Emergency response coverage
- High-speed operation protection
- Hired and non-owned auto
- Collision and comprehensive
- Ambulance box and chassis
- Emergency lighting systems
- Communications equipment
- EMT and paramedic coverage
- On-scene injury protection
- Lifting and transport injuries
- Exposure incident coverage
- Medical equipment coverage
- Cardiac monitors and defibrillators
- Stretchers and gurneys
- Portable medical devices
- Premises liability coverage
- Operations liability
- Products/completed operations
- Personal and advertising injury
- Medical malpractice coverage
- Patient care errors and omissions
- Protocol deviation protection
- Treatment decision coverage
- Station and building coverage
- Business personal property
- Equipment and supplies
- Business interruption
- Higher liability limits
- Catastrophic claim protection
- Coverage over primary policies
- Limits up to $25 million
- Benefits administration errors
- ERISA compliance protection
- Enrollment and eligibility errors
- Claims handling mistakes
Key Benefits
EMS Expertise
Deep understanding of ambulance operations, protocols, and regulatory requirements
24/7 Coverage
Round-the-clock protection for emergency response operations
Competitive Rates
Industry-specific pricing with flexible payment options
Patient Care Focus
Coverage designed around patient care and medical treatment
Contract Compliance
Meet insurance requirements for municipal and hospital contracts
Fleet Coverage
Protection for single units to large ambulance fleets
Why Choose Us?
Specialized focus on ambulance and EMS industry
Coverage for BLS, ALS, and critical care transport
Professional liability for medical treatment decisions
Inland marine coverage for expensive medical equipment
Workers' compensation for high-risk EMS personnel
Understanding of HIPAA and patient privacy requirements
Support for municipal contract insurance requirements
Coverage for emergency response and high-speed operations
Protection for controlled substances handling
Flexible coverage for 911 and interfacility operations
Risk management resources for EMS providers
Claims support from adjusters who understand EMS
Coverage Options
Comprehensive insurance protection designed specifically for your transportation operations.
Auto Liability
The foundation of any commercial auto policy. It protects against financial loss if you or your drivers are found at fault for an accident that injures others or damages their property.
Required by law for all commercial vehicles. Limits typically range from $750,000 to $5 Million depending on vehicle capacity and regulatory requirements (PUC/DOT).
General Liability
Protects your business from third-party claims of bodily injury or property damage that occur on your premises or as a result of your business operations (non-driving).
Crucial for slip-and-fall accidents at your office, advertising injury, or customer property damage not involving the vehicle itself.
Garage Liability
Essential for transportation companies that maintain their own fleet. Covers liability arising from garage operations including vehicle maintenance and repair.
Includes Garagekeepers Legal Liability to protect customer vehicles in your care, custody, and control. Hired & non-owned coverage also available.
Coverage Limits at a Glance
- $750,000 / $1M / $1.5M / $5M CSL
- Medical Payments: $5,000 or $10,000
- PIP where applicable
- UM/UIM up to $1M available
- Deductibles from $1,000
- Roadside: $300 aggregate/vehicle
- Windshield: $100 deductible
- Chip repair: No deductible
- Limits up to $5 million
- Higher limits available on request
- Up to $20,000,000 available
- Following form: $10M x $5M
Frequently Asked Questions
Common questions about ambulance and EMS insurance coverage.
Other Coverages Medical Transport Operators Need
Medicaid Managed Care contracts and broker compliance coverage.
ADA paratransit and accessible transit coverage.
Auto liability and physical damage for medical transport fleets.
Statutory workers comp for medical transport staff.
Medical Transportation Coverage by State
State-specific coverage that meets Medicaid Managed Care Plan and broker requirements for medical transport providers.
Related Transportation Insurance
Explore other commercial transportation insurance programs we write for fleet operators across the United States.
NEMT Insurance
Non-Emergency Medical Transport coverage for Medicaid contracts.
Limousine Insurance
Luxury limo, sedan, and chauffeured fleet coverage.
Black Car Insurance
TCP and CPUC-filed coverage for executive black car services.
Paratransit Insurance
ADA paratransit and accessible transport coverage.
Commercial Auto Insurance
Auto liability and physical damage for commercial fleets.
General Liability Insurance
Premises and operations liability for transportation businesses.
Workers Compensation Insurance
Statutory workers comp for drivers and dispatch staff.