Industries → NEMT

NEMT insurance for operators who actually get covered.

Non-emergency medical transportation is one of the harder risks to place, especially as a new venture. Most standard carriers won't touch it. We have specialty markets that write NEMT, understand the exposure, and won't leave you stranded at renewal time.

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Wheelchair-accessible van with a powered lift deployed
Caregiver assisting a passenger with a wheelchair into a medical transport van
Why It's Tough To Place

Most carriers won't write this risk.

Non-emergency medical transportation carries a unique exposure profile: you're transporting medically vulnerable passengers (wheelchair users, dialysis patients, post-surgical clients) in vehicles that see high daily mileage. Add in new-venture status with no loss history, and many standard markets decline the risk outright.

We work with specialty markets that understand NEMT. They know the regulatory landscape, accept new operations, and build policies around the way NEMT businesses actually run, not a one-size-fits-all commercial auto form that leaves gaps everywhere.

Essential Coverages

The coverages every NEMT operator needs.

We build your policy around the actual exposures of transporting passengers for hire, not just a generic business owner's policy that misses the biggest risks.

Commercial Auto: For-Hire / Livery

The heart of your NEMT policy. Standard commercial auto won't cover you if you're transporting passengers for compensation. A livery or for-hire auto form covers bodily injury, property damage, and medical payments for passengers in your vehicle.

Commercial Auto

General Liability

Covers third-party bodily injury and property damage that isn't tied directly to vehicle operation: loading and unloading accidents, trips and falls at the client's door, and premises liability for your dispatch office.

General Liability

Workers' Compensation

Required in most states the moment you hire a driver. NEMT drivers and aides handle physically demanding work: assisting patients in and out of vehicles, operating lifts, and managing wheelchairs.

Workers' Compensation

Professional Liability (E&O)

If a patient claims they missed a critical appointment due to a scheduling error or late pickup, a standard GL policy won't cover that. Professional liability steps in for claims tied to the service itself.

Professional Liability
Who We Work With

New venture or established: we can place it.

Whether you're buying your first van or running a fleet of 30, we have markets and experience for every stage of an NEMT operation.

  • New ventures with no loss historyMost carriers won't write a first-year NEMT operation. We work with specialty markets that will, and know how to present your risk to get you bound.
  • Single-vehicle owner-operatorsStarting with one van and a Medicaid contract? We get you the coverage you need to comply with state and MCO requirements from day one.
  • Small fleets (2-20 vehicles)Fleet policies require a different structure. We build it right so every vehicle, driver, and shift is properly covered under a single program.
  • Wheelchair and stretcher transportWC and stretcher trips carry additional passenger liability exposure. We make sure your auto form addresses the type of transport you're performing.
Clipboard with a medical transport certification symbol
The Conexion Difference

We go to bat for you on the hard placements.

Medicaid contracts and MCO agreements require specific coverage limits and endorsements. We know what brokers and managed care organizations need and make sure your certificates are issued correctly the first time.

Conexion tip: as you build loss history in year one, we work with you at every renewal to improve your carrier options and negotiate better terms as your fleet grows.

Frequently Asked Questions

NEMT insurance, answered.

The questions we hear most often from NEMT operators, straight from our team.

Yes. Most standard carriers decline first-year NEMT operations outright, but we work with specialty markets that will write new ventures. We know how to present your risk to get you bound even without loss history.
No. Standard commercial auto excludes transporting passengers for compensation. You need a livery or for-hire auto form specifically written for NEMT, which covers bodily injury, property damage, and medical payments for passengers.
In most states, yes, the moment you hire a driver. NEMT drivers and aides handle physically demanding tasks like assisting patients and operating lifts, which is exactly the kind of on-the-job injury workers' comp protects against.
Requirements vary by contract and state, but typically specify minimum auto liability limits and may require certificate holders to be named. We know what brokers and managed care organizations expect and make sure your certificates are issued correctly.
Yes. Fleet policies for 2-20+ vehicles are structured differently than a single-vehicle policy, but we build the program so every vehicle, driver, and shift is properly covered under one plan.
Cost depends on your fleet size, vehicle types, driving records, and whether you're a new venture. Because we shop specialty markets built for NEMT, we can compare pricing across carriers instead of quoting a single company's rate.

Let's get your vehicles on the road, covered.

Tell us about your operation and we'll match you with the right carrier, even if you're just starting out.

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Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you, please review your own policy documents carefully and contact us directly for specifics about your account.