Quick Answer
How much does nemt insurance cost in Philadelphia?
Philadelphia nemt insurance typically runs $7,500–$12,000/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.
Philadelphia Market Overview
- Jefferson Health and Penn Medicine are two of the largest health systems in Pennsylvania
- PA Medicaid HealthChoices MCOs (UPMC, Geisinger, Keystone First) manage NEMT
- Philadelphia PPA regulates TNCs and taxis; PA PUC governs all other for-hire vehicles
- SEPTA ADA paratransit (CCT) contracts independent NEMT operators
Coverage Options — Philadelphia
| Feature | Required | Recommended | Premium |
|---|---|---|---|
| Auto Liability (CSL) | $1M CSL (PA HealthChoices MCO standard) | $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 Philadelphia
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Philadelphia Service Area
Frequently Asked Questions
What insurance do Philadelphia NEMT operators need?+
PA HealthChoices MCOs require $1M commercial auto liability, $1M professional liability, abuse and molestation, and workers' comp. If you serve SEPTA's CCT Connect paratransit program, additional bonding may be required.
Do I need both PPA and PUC authority in Philadelphia?+
For most NEMT operators, PA PUC authority is sufficient. TNC and taxi operators within Philadelphia city limits also need PPA approval. We help clarify which authority applies to your specific operation.