NEMT Specialists
NEMT Insurance for Non-Emergency Medical Transportation Businesses
Understand insurance options for your non-emergency medical transportation business. Learn about NEMT insurance coverage, costs, requirements, and factors that may affect your insurance options.
Learn About NEMT Insurance
What Is NEMT Insurance?
NEMT insurance is designed to address the risks associated with businesses that provide non-emergency transportation for passengers traveling to medical appointments, dialysis treatments, rehabilitation facilities, and other destinations.
Because NEMT companies transport passengers as part of their business operations, their insurance needs can differ from those of a standard commercial vehicle operation. Insurers may evaluate factors such as vehicle types, drivers, operating territory, passenger services, wheelchair or stretcher transportation, safety procedures, and prior loss history.
The appropriate coverage depends on how your NEMT business operates.
NEMT Insurance Coverage Options
An NEMT insurance program may include several types of coverage depending on your operation, vehicles, employees, and services.
Commercial Auto Insurance
Coverage for vehicles used in your NEMT operation and associated commercial driving exposures.
General Liability
Protection against certain third-party bodily injury and property damage claims arising from business operations.
Professional Liability
Coverage that may address certain claims related to professional services or alleged errors in providing services.
Physical Damage
Coverage for covered damage to insured vehicles, subject to policy terms and deductibles.
Workers' Compensation
Coverage for employee work-related injuries and illnesses where required or applicable.
Umbrella / Excess Liability
Additional liability limits above certain underlying policies when available and appropriate.
Insurance for Different NEMT Operations
Non-emergency medical transportation businesses provide different types of passenger transportation. The services provided can affect insurance needs and underwriting.
Wheelchair Transportation
Transportation for passengers who use wheelchairs or other mobility devices.
Ambulatory Transportation
Transportation for passengers who can enter and exit the vehicle without wheelchair or stretcher transportation.
Stretcher Transportation
Non-emergency transportation involving passengers transported by stretcher where offered and eligible.
Paratransit Services
Accessible transportation services for passengers who may require additional mobility assistance.
Why NEMT Coverage?
NEMTCoverage.com is an NEMT insurance resource from Iron Axis Insurance Agency, LLC. Coverage availability and eligibility vary by state, carrier, and individual risk.
Ready to Explore NEMT Insurance Options?
Whether you're starting a new NEMT business, adding vehicles, approaching renewal, or reviewing your current coverage, tell us about your operation and insurance needs.
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