Quick Answer
How much does medical transportation insurance cost in Orlando?
Orlando medical transportation insurance typically runs $7,000–$11,500/vehicle/yr per vehicle per year for the state-required minimum. Key factors include driver MVRs, vehicle type, Medicaid broker requirements, and loss history. Same-day COIs are available after binding.
Orlando Market Overview
- AdventHealth and Orlando Health are among Florida's largest health systems
- Large senior/retirement population in surrounding counties drives ambulette demand
- Sunshine Health and Simply Healthcare are primary SMMC plans in Central Florida
- Florida PIP/PDL required on all registered vehicles
Coverage Options — Orlando
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL + $10K PIP + $10K PDL | $1M | $2M+ umbrella |
| General Liability | $1M | $1M | $2M |
| Abuse & Molestation | Required | Required | Required |
| Workers' Comp | If employees | Required | Required |
| Hired & Non-Owned | Recommended | $1M | $1M |
| Physical Damage | Optional | ACV | Stated value |
Approved Brokers We Work With in Orlando
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Orlando Service Area
Frequently Asked Questions
What is an ambulette and does it need special insurance in Orlando?+
An ambulette is a wheelchair-accessible van for non-emergency medical transportation — distinct from an ambulance. In Florida, ambulettes need $1M commercial auto with a wheelchair endorsement, abuse and molestation coverage, and SMMC-required COIs.
Which SMMC plans cover NEMT in Orlando?+
Central Florida NEMT is primarily managed through Sunshine Health, Simply Healthcare, and Molina Healthcare Florida. Each requires separate credentialing and COI naming the plan as additional insured.