NEMT Insurance
Non-Emergency Medical Transportation (NEMT) Insurance
Hard-to-Place NEMT Risks Accepted — California & Nationwide
Most NEMT companies get declined by standard carriers. We specialize in placing those exact risks. If you've been told "too many losses," "drivers don't qualify," "coverage lapsed," or "fleet grew too fast" — that's where InsureLimos comes in.
Who This NEMT Insurance Program Is For
We write non emergency medical transportation insurance for operators standard markets won't touch.
What Gets NEMT Accounts Declined (Real Talk)
Most agents won't tell you this. We will.
- Drivers under 25
- More than 2 at-fault losses in 3 years
- Lapse in coverage over 30 days
- Poor driver MVRs (speeding, reckless driving)
- No formal safety program
- High-risk ZIP codes (especially in California urban areas)
👉 We still place these. Just differently.
How We Actually Get These Deals Done
We don't just "quote and hope." We position your risk for underwriting.
Driver screening + MVR review
We pre-clear drivers before submitting to underwriters.
Safety plan documentation
Formal driver training and DOT-compliant safety programs.
Loss run analysis
We frame prior claims to show improvement and corrective action.
Proper vehicle classification
Wheelchair, ambulatory, or stretcher — classification drives premium.
Match to E&S markets
We submit to surplus-lines carriers that accept hard-to-place NEMT risks.
Real Example: 18-Unit NEMT Fleet — Los Angeles
A real California NEMT account most carriers declined.
The Risk
- • 18-unit NEMT fleet
- • 2 prior at-fault losses
- • 1 lapse in coverage
- • Mixed wheelchair + ambulatory operations
The Result
- $1M Auto Liability
- Physical Damage included
- Monthly payment plan
👉 Most standard carriers declined. We placed it.
Typical NEMT Insurance Cost
Every risk is different — but here is what real NEMT insurance California pricing looks like.
What Impacts Your NEMT Insurance Cost
Coverages We Offer
A complete non emergency medical transportation insurance program.
Auto Liability
$1M+ Combined Single Limit meeting Medicaid broker requirements.
Physical Damage
Comprehensive and collision for owned NEMT fleet vehicles.
General Liability
Premises and operations coverage for facility risks.
Hired & Non-Owned Auto (HNOA)
Coverage for rented vehicles and employee-owned cars used for business.
Excess / Umbrella Liability
Limits up to $20M for larger NEMT contracts.
Workers Compensation
Statutory WC for drivers and patient-care attendants.
Abuse & Molestation (SAM)
Required by many Medicaid managed care contracts.
Many NEMT operators bundle their coverage with a commercial auto insurance policy for additional fleet vehicles, or pair NEMT coverage with a limousine insurance policy if they also operate luxury or executive transportation. Request a quote to get pricing for your full operation.
What Makes Us Different
Most websites talk. We place deals.
E&S Carrier Access
Direct relationships with surplus-lines carriers that accept tough NEMT risks.
Same-Day Indications
Fast turnaround. Most quote requests get an indication the same day.
We Understand NEMT Underwriting
We don't guess. We know what underwriters need to approve a deal.
Deals Structured to Get Approved
We package your submission so underwriters say yes — not maybe.
NEMT Insurance FAQ
Real underwriting questions about non emergency medical transportation insurance.
Wael Mohammad
Commercial transportation insurance specialist focused on NEMT, limousine, public auto, and high-risk fleets. Works with E&S markets to place hard-to-insure risks across California and 17 other states.
- Focus: NEMT, limo, public auto, high-risk fleets
- E&S market relationships for declined risks
Other Coverages NEMT Operators Need
Coverage for ambulettes, gurney vans, and broader patient transport.
ADA paratransit and accessible transit coverage.
Auto liability and physical damage for your NEMT fleet.
Statutory workers comp for drivers and patient-care attendants.
NEMT Insurance by State
State-specific NEMT insurance programs with the limits and filings required by Medicaid Managed Care Plans and broker networks.
Related Transportation Insurance
Explore other commercial transportation insurance programs we write for fleet operators across the United States.
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.
Medical Transportation Insurance
Coverage for ambulettes, gurney vans, and patient transport.
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.