Non-Emergency Medical Transportation Insurance

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Protect Your Non-Emergency Medical Transportation Business with Comprehensive Coverage

Protect Your Non-Emergency Medical Transportation Business with Comprehensive Coverage

At Insurance Strategies, we understand the unique challenges and risks faced by non-emergency medical transportation (NEMT) companies. Whether you’re transporting patients from hospitals to rehabilitation facilities or taking seniors from assisted living centers to their medical appointments, your business plays a crucial role in the healthcare continuum. Ensuring the safety and well-being of your passengers is paramount, and so is protecting your business from potential liabilities. That's where our specialized NEMT insurance coverage comes into play.

Key Aspects of Our NEMT Insurance Coverage

1. General Liability
General Liability insurance is essential for any business, and NEMT companies are no exception. This coverage protects your business from third-party claims related to bodily injury, property damage, and personal injury. For instance, if a patient slips and falls while getting into your vehicle, General Liability insurance can cover medical expenses and legal fees.

2. Professional Liability
Also known as Errors and Omissions (E&O) insurance, Professional Liability coverage is crucial for protecting your business against claims of negligence, errors, or omissions in the services you provide. If a patient alleges that your driver failed to follow proper protocols, resulting in harm or additional medical issues, Professional Liability insurance can cover legal defense costs and any resulting settlements.

3. Auto Liability and Physical Damage
Given that your business relies on a fleet of vehicles, Auto Liability and Physical Damage coverage are vital. Auto Liability insurance covers bodily injury and property damage caused by your vehicles. Physical Damage insurance, on the other hand, covers the repair or replacement costs of your vehicles in the event of an accident, theft, or other covered perils. This ensures that your fleet remains operational and your business can continue to serve its clients without interruption.

4. Worker’s Compensation
Your employees are the backbone of your NEMT business. Worker’s Compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. This not only helps your employees recover and return to work but also protects your business from potential lawsuits related to workplace injuries.

We take care of your filings

Available filings include: 

  • Federal filings BMC-91 and BMC-91X
  • MCS-90B endorsement
  • State Form E filings

Learn more about filings or give us a call and one of our friendly Insurance Advisors will be happy to assist you with you filings questions.

Frequently Asked Questions


1. Why do I need NEMT insurance for my transportation business?

NEMT insurance is essential because it protects your business from various risks and liabilities. It covers potential claims related to bodily injury, property damage, professional negligence, vehicle accidents, and employee injuries. Without this coverage, your business could face significant financial losses and legal issues.

2. What Are Common types of Insurance needed for a NEMT business?

Our NEMT Insurance offerings typically include:

  • General Liability: Covers third-party claims of bodily injury, property damage, and personal injury.
  • Professional Liability: Protects against claims of negligence, errors, or omissions in the services you provide.
  • Auto Liability and Physical Damage: Covers bodily injury and property damage caused by your vehicles, as well as repair or replacement costs for your fleet.
  • Worker’s Compensation: Provides coverage for medical expenses, lost wages, and rehabilitation costs for employees injured on the job.

3. How does General Liability insurance benefit my NEMT business?

General Liability insurance protects your business from third-party claims of bodily injury, property damage, and personal injury. For example, if a patient slips and falls while entering your vehicle, this coverage can help pay for medical expenses and legal fees.

4. What is Professional Liability insurance, and why is it important?

Professional Liability insurance, also known as Errors and Omissions (E&O) insurance, covers claims of negligence, errors, or omissions in the services you provide. This is crucial for NEMT businesses as it protects against allegations that your staff did not follow proper protocols, resulting in harm to a patient.

5. What does Auto Liability and Physical Damage insurance cover?

Auto Liability insurance covers bodily injury and property damage caused by your vehicles. Physical Damage insurance covers the repair or replacement costs of your vehicles in the event of an accident, theft, or other covered perils. This ensures that your fleet remains operational and your business can continue to serve its clients.

6. Why is Worker’s Compensation insurance necessary for my NEMT business?

Worker’s Compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. This not only helps your employees recover and return to work but also protects your business from potential lawsuits related to workplace injuries.

7. How can I get a quote for NEMT insurance?

Getting a quote is easy! Contact Insurance Strategies through our website or call our customer service team. We will gather some information about your business and provide you with a customized quote that meets your specific needs.

8. Can I customize my NEMT insurance package?

Yes, at Insurance Strategies, we offer tailored insurance solutions designed to meet the unique needs of your NEMT business. Our team will work with you to create a comprehensive coverage package that fits your specific requirements.

9. What sets Insurance Strategies apart from other insurance Agencies?

At Insurance Strategies, we offer tailored solutions, have extensive expertise in the healthcare transportation sector, provide comprehensive coverage, and deliver dedicated support to our clients. Our commitment to protecting your business and ensuring peace of mind sets us apart from other insurance providers.

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.