NEMT Insurance for Transportation Companies

Non-emergency medical transportation companies face risks that ordinary commercial auto policies may not be designed to address. Passenger transportation, driver qualifications, vehicle types, service areas, contracts and insurance requirements can all affect the coverage an NEMT business needs.

Cove & Shield Insurance helps NEMT operators evaluate insurance options across Florida, North Carolina, South Carolina, Virginia, Maryland and Tennessee.

REQUEST AN NEMT INSURANCE REVIEW

Coverage Built Around NEMT Operations

Depending on the operation, eligibility and carrier availability, an NEMT insurance program may include:

  • Commercial auto liability
  • Physical damage coverage for eligible vehicles
  • Commercial general liability
  • Umbrella or excess liability
  • Workers compensation
  • Hired and non-owned auto coverage when applicable
  • Professional liability or other specialty coverage when available
  • Cyber liability and employment-related coverage
We Look at the Details That Drive NEMT Underwriting

To help identify an appropriate market, we may review the number and type of vehicles, driver experience, passenger capacity, wheelchair or stretcher transportation, service territory, years in business, loss history, current carrier, renewal date and any transportation-network or contract requirements.

Support for Contracts and Certificates

NEMT companies may need certificates of insurance and specific limits or endorsements to satisfy brokers, transportation networks, facilities and government or private contracts. Our team can review the insurance portion of those requirements and help determine whether the requested coverage is available before a policy is placed.

Serving New and Established NEMT Companies

Whether you are starting an NEMT company, adding vehicles, expanding into another state or approaching renewal, begin with a focused review of your operation. The earlier we receive complete information, the more time we have to identify appropriate options.

REQUEST AN NEMT INSURANCE REVIEW

TALK WITH AN NEMT INSURANCE SPECIALIST

Insurance coverage is subject to carrier underwriting, eligibility, policy terms, conditions and exclusions. Availability varies by state, vehicle type, operation and loss history.