Quick Answer
What is NEMT insurance in Los Angeles?
NEMT insurance in Los Angeles is a commercial auto policy with $1M combined single limit, plus optional medical professional liability and workers' comp, designed for providers transporting Medi-Cal and Medicare members. It satisfies the requirements of brokers like Modivcare, MTM, and Veyo, and meets California DMV commercial vehicle minimums.
Coverage Built for Los Angeles NEMT Providers
Los Angeles County is the largest NEMT market in the United States, with hundreds of thousands of Medi-Cal members needing rides to dialysis, oncology, behavioral health, and routine appointments every week. Whether you run two minivans in the San Fernando Valley or 50 wheelchair vans across L.A. County, your policy needs to satisfy California's commercial auto minimums and every broker's COI checklist.
We work with carriers that specialize in California NEMT — meaning your quote isn't underwritten by someone learning the line for the first time. We handle the paperwork, file the COIs, and stay on top of audits.
Coverage Limits — Los Angeles NEMT
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M | $1M | $1M / $2M umbrella |
| Medical Payments | $5K | $10K | $25K |
| Uninsured Motorist | $1M | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
| Workers' Comp | If 1+ employee | Required | Required |
| Hired & Non-Owned | Optional | $1M | $1M |
Key Definitions
- NEMT
- Non-Emergency Medical Transportation — for-hire transport of Medicaid, Medi-Cal, dialysis, and managed-care members to medical appointments. Distinct from emergency ambulance service.
- Modivcare / MTM / Veyo
- The largest brokers that contract Los Angeles NEMT providers. Each has its own COI and additional-insured requirements you must meet to receive trip assignments.
- Wheelchair Van Endorsement
- A specific endorsement on your commercial auto policy covering passengers transported in a wheelchair, including securements and lift operation.
- Hired & Non-Owned Auto
- Coverage for vehicles you don't own but use for business — important for Los Angeles NEMT operators who occasionally use rented or driver-owned vehicles.
Where We Write NEMT Insurance
Frequently Asked Questions
How much does NEMT insurance cost in Los Angeles?+
Most Los Angeles NEMT operators pay between $7,500 and $14,000 per vehicle per year for $1M auto liability, depending on driver MVRs, vehicle type (sedan, minivan, wheelchair van), Medicaid contracts, and broker requirements like Modivcare and MTM.
Is NEMT insurance required in Los Angeles?+
Yes. California requires commercial auto liability for any vehicle transporting Medicaid or Medi-Cal members for compensation. To work with brokers like Modivcare, MTM, Veyo, or LogistiCare you must show $1M combined single limit and a current Certificate of Insurance.
What broker contracts can I work in Los Angeles?+
Los Angeles NEMT providers commonly contract with Modivcare, MTM, Veyo, Access Services, L.A. Care, Health Net, Molina, and Anthem Blue Cross Medi-Cal. Each requires its own COI naming the broker as additional insured.
Do I need workers' compensation for my NEMT drivers?+
Yes — California requires workers' comp the moment you have one or more employees. We bundle workers' comp with your NEMT auto policy and most Los Angeles plans run $4–$7 per $100 of payroll for drivers.
How fast can I get a Los Angeles NEMT Certificate of Insurance?+
Most COIs are issued within the same business day. New policies typically bind in 24–72 hours once we have your driver list, vehicle list (VINs), Medicaid IDs, and prior loss runs.