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.
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.
This is the heart of your NEMT policy. Standard commercial auto won't cover you if you're transporting passengers for compensation. You need a livery or for-hire auto form that covers bodily injury, property damage, and medical payments for the passengers in your vehicle.
Most Critical CoverageCovers 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, premises liability for your dispatch office. GL is the foundation every NEMT operator needs alongside auto.
Core CoverageRequired 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, managing wheelchairs. Workers' comp protects your staff and your business if someone gets hurt on the job.
If a patient claims they missed a critical appointment due to a scheduling error, late pickup, or a dispatch mistake, a standard GL policy won't cover that. Professional liability steps in for claims tied to the service itself — the coordination and execution of transportation services.
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.
Most carriers won't write a first-year NEMT operation. We work with specialty markets that will — and we know how to present your risk to get you bound.
Starting with one van and a Medicaid contract? We get you the coverage you need to comply with state and MCO requirements from day one.
Fleet policies require a different structure. We build it right so every vehicle, every driver, and every shift is properly covered under a single program.
WC and stretcher trips carry additional passenger liability exposure. We make sure your auto form specifically addresses the type of transport you're performing.
Being tough to place doesn't mean being left on your own. We work harder for the risks that require it.
We maintain relationships with carriers and managing general agents that specialize in for-hire transportation — markets that standard agents don't have access to and that understand NEMT at a detail level.
Medicaid contracts and MCO agreements require specific coverage limits and endorsements. We know what the brokers and managed care organizations need and make sure your certificates are issued correctly the first time.
NEMT claims can be complex — passenger injuries, subrogation issues, multiple policies involved. When something happens, we're on the phone with the adjuster alongside you. We don't disappear after the bind.
A new venture that survives year one starts building loss history and credibility. We work with you at every renewal to improve your carrier options, negotiate better terms, and make sure your coverage grows with your fleet.
Tell us about your operation and we'll match you with the right carrier, even if you're just starting out.
Start My Quote →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 policy documents carefully and contact us directly for specifics about your account.