Non-Emergency Medical Transportation Insurance
Specialized insurance solutions for NEMT providers, ensuring your patients and business are protected.
Specialized Coverage for NEMT Providers
At InsureLimos.net, we understand the unique challenges faced by Non-Emergency Medical Transportation providers. Your business requires specialized insurance that addresses the specific risks associated with transporting patients to and from medical appointments, dialysis centers, and other healthcare facilities.
Our NEMT insurance packages are tailored to meet the needs of your operation, whether you operate a single vehicle or manage a large fleet of specially equipped vans and buses.
Request a QuoteNEMT Insurance Coverage Options
Comprehensive protection for your NEMT business and the patients you serve.
Auto Liability
Coverage for bodily injury and property damage caused to others in an accident involving your NEMT vehicles. We offer limits that meet or exceed state and contractual requirements.
Physical Damage
Protection for your specialized vehicles, including coverage for wheelchair lifts, ramps, and other accessibility modifications that are essential to your NEMT operations.
Passenger Liability
Enhanced coverage for the unique risks associated with transporting patients, including specialized loading and unloading procedures and securing wheelchairs and medical equipment.
General Liability
Coverage for non-auto related incidents that may occur during your operations, including slips and falls or other accidents on your premises.
Workers' Compensation
Protection for your drivers and staff who may be injured while performing job duties, including patient assistance and medical equipment handling.
Excess Liability
Additional coverage that extends beyond your primary policy limits, providing extra protection for catastrophic claims that could otherwise threaten your business.
Frequently Asked Questions
Common questions about NEMT insurance coverage.
What insurance limits do I need for my NEMT business?
Insurance limits for NEMT providers typically depend on several factors, including state requirements, contractual obligations with healthcare facilities, and the size of your operation. Most NEMT providers need at least $1,000,000 in auto liability coverage, though many contracts with healthcare facilities may require higher limits. Our team can help you determine the appropriate coverage limits based on your specific situation.
Does my NEMT insurance cover the specialized equipment in my vehicles?
Yes, our NEMT insurance packages can include coverage for specialized equipment such as wheelchair lifts, ramps, stretchers, and other accessibility modifications. This coverage is typically part of your physical damage policy and can be customized to reflect the actual value of your equipment.
Are my drivers covered when assisting patients in and out of vehicles?
This depends on your specific policy. Many NEMT insurance packages include coverage for loading and unloading patients, but the extent of coverage can vary. We recommend a combination of auto liability and general liability coverage to ensure comprehensive protection for all aspects of patient assistance.
Do I need special insurance if I transport patients with medical equipment?
Yes, transporting patients with medical equipment such as oxygen tanks or other medical devices presents unique risks that should be addressed in your insurance coverage. Our NEMT insurance specialists can help ensure your policy includes appropriate coverage for these situations.
How can I reduce my NEMT insurance premiums?
Several factors can help reduce your NEMT insurance costs, including implementing comprehensive driver training programs, maintaining a clean claims history, installing vehicle safety features, and considering higher deductibles. Our team can work with you to develop a risk management strategy that may help lower your premiums over time.
What Our NEMT Clients Say
Hear from other Non-Emergency Medical Transportation providers who trust InsureLimos.net.
Protect Your NEMT Business Today
Get a customized insurance quote tailored to your Non-Emergency Medical Transportation operation.