Quick Answer
How much does nemt insurance cost in Tampa?
Tampa nemt insurance typically runs $6,800–$11,000/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.
Tampa Market Overview
- Tampa General Hospital and Moffitt Cancer Center drive significant NEMT demand
- Large dialysis network throughout Hillsborough and Pinellas counties
- Florida PIP and PDL requirements apply to all registered vehicles
- Hillsborough County permits required for for-hire transportation
Coverage Options — Tampa
| 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 Tampa
Sunshine Health (Centene FL)Molina Healthcare FLWellCare (Centene)Simply Healthcare
We issue COIs naming any of the above brokers as additional insured — same business day you bind.
Tampa Service Area
Downtown Tampa St. Petersburg Clearwater Brandon Lakeland Sarasota Plant City Riverview
Frequently Asked Questions
What insurance do Tampa NEMT operators need for WellCare?+
WellCare (Centene) requires $1M commercial auto, $1M general liability, abuse and molestation, and workers' comp. We issue WellCare COIs same-day after binding your policy.
Does Tampa require local for-hire permits?+
Yes — Hillsborough County requires for-hire vehicle permits for commercial transportation. The county requires proof of valid commercial auto insurance before issuing the permit.