The hardest public auto class to place, and the fastest growing.

Commercial auto

Vehicles the business owns and the people who drive them for work.

Without it — Wheelchair-equipped vehicles carrying non-ambulatory passengers are the highest-rated units in public auto.

Sexual abuse & molestation

Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organization working with children, patients or vulnerable adults will be asked to carry it by name.

Without it — Transporting elderly, disabled and cognitively impaired passengers one-to-one is an allegation exposure with no witness, and general liability excludes it.

General liability

Third-party bodily injury and property damage. It is the line nearly every contract names by default.

Without it — Loading, securement and assistance in and out of the vehicle happen off the road and outside the auto policy.

Workers compensation

Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.

Without it — Lifting, transferring and securing passengers and wheelchairs is where drivers are injured.

Umbrella & excess liability

Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.

Without it — Broker and authority contracts routinely require limits above primary before you can be credentialed.

Professional liability

Covers the advice, the drawing, the diagnosis. The work itself, rather than someone getting hurt on your premises.

Without it — Where staff render any care beyond transport, the standard applied is a clinical one.

Auto physical damage

Damage to your own tractor and trailer. Primary liability pays for what you do to everyone else and nothing for your equipment, so without this a rollover you caused leaves you paying off a truck you can no longer run.

Without it — A wheelchair conversion costs far more than the van it is built on.

Why is NEMT so expensive to insure?

Everything about it raises the rate at once. Passengers are non-ambulatory or medically fragile, so an ordinary collision produces a worse injury. The vehicles are converted and cost more to repair. The work is urban, high-stop and schedule-driven. Driver turnover is high, in a class where the driver is alone with a vulnerable passenger. Wheelchair-equipped work sits in a higher tier for those reasons.

What do transportation brokers require?

It varies by broker and by state Medicaid program, but expect specified auto liability limits, general liability, workers compensation, abuse and molestation, and the broker named as an additional insured with notice of cancellation. Credentialing is refused without the certificate, so the insurance is a precondition of the revenue rather than an overhead against it. Send the credentialing packet and we will match it.

Do you write new NEMT ventures?

Yes, and the first year is the expensive one, because no claims history means the price carries the uncertainty, and it typically improves materially after twelve clean months. What helps most at the start is documented driver screening, annual MVR checks, a securement training record and cameras. Underwriters in this class reward controls more than most.

Is abuse coverage really necessary for transport?

Yes, and it is one of the clearest cases in the class. A driver alone in a vehicle with a passenger who may have cognitive impairment, and who may not be able to give a reliable account, is the fact pattern these allegations arise from. General liability excludes it, brokers require it, and it is what defends the operator as well as protecting the passenger.

What does a non-emergency medical transport insurance application ask for?

The applications for non-emergency medical transport businesses ask about 4 things above all: what type of transportation services do you provide, and where do you operate; how far do your typical trips go, and what's the farthest distance you operate; how many full-time drivers, part-time drivers, and backup drivers do you have; do your vehicles have cameras installed? if so, are they one-way or two-way. Have your current insurance information and coverage details for the last three years, including any claims and your loss and claims history for the last five years from your current insurer (called loss runs) ready and a quote takes a day instead of a week.