Non emergency medical transportation insurance
Non Emergency Medical Transportation Inurance

Non-Emergency Medical Transportation Insurance

Non-emergency medical transportation (NEMT) insurance is a type of for-hire livery coverage designed to protect business vehicles used to transport patients to medical appointments on a pre-arranged basis.

NEMT livery differs from other forms of livery in a few important ways. Unlike taxi services, NEMT businesses are typically compensated by Medicaid or medical service providers.

NEMT vehicles lack the lightbars and sirens commonly found in ambulances and other emergency vehicles. Minivans, passenger vans and SUVs are among the most common commercial autos used for non-emergency medical transportation.

Non-emergency medical transportation insurance requirements

Insurance carriers usually have a set of non-emergency medical transportation requirements and rating factors you’ll need to consider. These include:

The vehicle’s age and seating capacity – Many insurance carriers have requirements for older vehicles or vehicles exceeding a certain number of seats. The age of your drivers – Younger drivers might affect your eligibility. The vehicle’s features – Vehicles equipped with lightbars, sirens and life support equipment, including oxygen tanks, are typically prohibited. Safety equipment and written procedures – Your insurance company might have guidelines for vehicles with wheelchair access.

The municipalities and private facilities you work with might have minimum coverage requirements. Be sure to check your business contracts for exact coverage needs.

Non-emergency medical transportation insurance cost

Your NEMT insurance cost depends on a variety of factors, including your:

Location and travel radius Driving history Vehicle’s value, including any attached equipment Vehicle’s age and type Claims history Coverage needs

Make sure you’re not risking quality coverage for a cheaper insurance rate. It’s important to have a non-emergency medical transportation insurance policy that both fits your budget and offers adequate protection.

Learn more about factors that affect your rate

Start a NEMT auto insurance quote today

Years in business – You could save on your premium if you’ve been in business for three years or more. Prior livery experience – You could be eligible for a discount if you have previous experience transporting people. Existing business insurance – Let us know if you have an active BOP or general liability policy. Paying your policy in full –

Explore all discounts.

An insurance policy also gives you access to expert customer support, in-house claims adjusters, flexible coverage and payment options, and more. Call us today to speak with a licensed agent who’ll help you get the coverages you need for your non-emergency medical transportation business. You can also start a quote online.

About Mike Watts

Mike Watts is an independent insurance agent in Louisville KY