Overview
Running a paratransit company comes with its share of risks. You are in the business of helping people but you have to prepare for the unexpected. Your passengers are handicapped or have special needs which creates additional risks and responsibilities.
You also need to determine how much coverage is enough. There are a number of factors involved: how many drivers you have, the number of customers and the length of your routes. Our team is made up of experts in transportation insurance who can help you evaluate the special risks you face running a paratransit company so you have the right insurance, the right company and the right amount.
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
Coverage Details
- Up to $5,000,000 CSL
- Higher limits available at Underwriter's discretion
- Excess coverage up to $20,000,000
- Minimum $500 deductible for comp/collision
- Minimum stated value: $10,000
- Values over $250,000 must be reinsured
- Units older than 10 years require Underwriting approval
- Sedans and vans with seating capacity up to 14 passengers
- Units may be equipped with wheelchair ramps or lifts
- Vehicles must have proper tie-downs for wheelchairs
- Written procedures for loading/unloading passengers required
- For-Hire transportation of patients (contract or demand-response)
- Medicars & Ambulettes
- Social service organizations & medical facilities transport
- Minimum 85% revenue from NEMT operations required
Operations Requirements
Standard Requirements
- Insured must conform to all laws regarding matrons/aides on vehicles
- Patients must be belted in and strapped securely
- Contracts and/or financials may be requested for verification
- Not more than 15% revenue can come from taxi exposure
Operations Requiring In-Depth Approval
- Ambulances or emergency vehicles equipped with lights and sirens
- Risks that provide any medical, paramedical or first-aid service
- Risks that transport oxygen
Key Benefits
Specialized Coverage
Designed specifically for paratransit and NEMT operations with wheelchair accessibility
High Liability Limits
Up to $5,000,000 CSL with excess liability available up to $20,000,000
SAM Coverage
Sexual Abuse and Molestation coverage to protect against serious allegations
Patient Protection
Comprehensive coverage for vulnerable populations with special needs
D&O Liability
Directors and Officers liability coverage for business management protection
Professional Liability
Professional liability with retroactive coverage for comprehensive protection
Frequently Asked Questions
Common questions about paratransit insurance coverage.
Other Coverages Paratransit Operators Need
Non-Emergency Medical Transport coverage for Medicaid contracts.
Coverage for ambulettes, gurney vans, and patient transport.
Auto liability and physical damage for paratransit vehicles.
Statutory workers comp for paratransit drivers and aides.
Paratransit & NEMT Coverage by State
State-specific coverage that meets ADA paratransit and Medicaid Managed Care Plan requirements.
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.
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.