NEMT Insurance (Non‑Emergency Medical Transport)
Coverage built for passenger transport providers that move patients to appointments and facilities. Explore Commercial Auto, General Liability, Professional Liability, and get a Passenger Bond instantly via the embedded tool.
What is NEMT insurance?
NEMT insurance protects transport companies that move ambulatory and wheelchair passengers to medical appointments. Policies typically combine Commercial Auto for on‑road liability and physical damage with General Liability for premises/operations, and Professional Liability for alleged errors in scheduling, passenger handling, or coordination of care.
States, brokers, and facility contracts may require minimum auto limits, additional insured wording, and surety bonds for passenger transportation. We help you meet contract wording and filings where applicable.
Coverages We Offer
Commercial Auto
Auto liability (often $1M CSL), physical damage for vans/cars, HNOA, medical payments/UM where available, and filings when required. We can support contracts with Additional Insured, Primary & Noncontributory, and Waiver of Subrogation language.
Start QuoteGeneral Liability
Premises and operations liability for your base, waiting areas, and incidental exposures. Often required by brokers and facility contracts alongside Auto.
Start QuoteProfessional Liability
Protects against claims alleging negligent scheduling, failure to follow protocols, or improper passenger assistance. Often paired with GL for contract compliance.
Start QuotePassenger Bond
Instant online quote via our embedded tool. Enter your business name to begin.
Frequently Asked Questions
Do I need Hired & Non‑Owned Auto (HNOA)?
Yes, if any drivers use personal or rented vehicles for company business (e.g., overflow trips, driver-owned vehicles). HNOA extends liability for those trips; it doesn’t cover the driver’s physical damage.
What’s the difference between GL and Professional Liability?
GL handles third‑party injury and property damage from premises/operations. Professional addresses alleged errors in scheduling, coordination, or passenger handling protocols.
Can you add Additional Insured and Waiver of Subrogation?
Yes—available when supported by the carrier. We’ll match AI/PNC/Waiver wording to your contracts with brokers, facilities, or municipalities.
Do you offer Passenger Accident or AD&D?
Many carriers offer Accident/AD&D for passengers as an add‑on. Ask us to include it in your quote package.
Summaries above are for marketing only. Final terms depend on policy forms and underwriting.
Contact Form
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