Non-Emergency Medical Transportation Insurance
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Is Your Non-Emergency Medical Transportation Business Fully Covered?
Non-emergency medical transportation (NEMT) companies face high stakes and unique risks on the road each and every day. In order to keep your business, passengers, vehicles, and drivers protected, it’s crucial to invest in comprehensive and specialized insurance. OTTIS provides all the coverage you’ll need at competitive rates so that your NEMT business can thrive!
How Getting NEMT Insurance Works
Common Questions About NEMT Insurance
What Is Non-Emergency Medical Transportation Insurance?
Non-emergency medical transportation insurance is a specific kind of for-hire livery insurance. This type of insurance protects businesses that transport patients or people with specialized needs on a prearranged, non-emergency basis. NEMT insurance is typically a bundle of different types of insurance, including but not limited to general and professional liability coverage, auto liability and physical damage coverage, and worker’s compensation insurance.
Is Non-Emergency Medical Transportation Insurance Required?
Each state has different laws and regulations regarding insurance requirements for NEMT companies, so it’s crucial that you do your research and talk over the specifics with an experienced NEMT insurance agent. Also, if you partner with a transportation management company or dispatcher, they may have additional coverage requirements. Keep in mind though, minimum requirements likely won’t provide sufficient coverage to fully protect your business.
What Is the Difference Between Non-Emergency Medical Transportation Insurance and Regular Auto Insurance?
Auto insurance is always important, but comprehensive insurance is especially important for non-emergency medical transportation providers because of the higher stakes and risks involved. One of the key differences is the need for multiple types of insurance, including some form of commercial auto insurance. You will also need higher limits to ensure adequate protection in the event of a collision or other problem on the road. Additionally, if any of your NEMT vehicles have special equipment such as wheelchair ramps or lifts, you may need extra forms of coverage.
What Factors Determine the Price of Non-Emergency Medical Transportation Insurance?
The price of non-emergency medical transportation insurance will vary depending on a range of specific factors, especially the type and size of your NEMT business. The key factors affecting the price of NEMT insurance include the following: the number of vehicles and drivers, the type of vehicles (make, model, year), the location of your business, driving record and level of experience of your employees, vehicle maintenance and more.
Hear From Our Current Customers
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