As a non-emergency medical transportation (NEMT) service provider, adequate insurance for all your vehicles remains a very vital part of your business. Ensuring your vehicles can be quite costly and sometimes complicated, but it is very necessary for the success of your business.

NEMT businesses, especially those that function on federal contracts, tend to be regulated by the states where they do business. These operators are expected to acquire at the very least the minimum insurance that’s mandated by the state.

Coupled with that, NEMT companies that contract with state NEMT program managers are also expected to carry or have additional coverage.

There is a vast range of vehicle-related insurance coverage a NEMT operator can pick from. For instance, basic liability insurance for each vehicle or additional coverage that extensively safeguards your fleet. However, just like personal auto coverage, a poor driving record and the number of previous claims can negatively influence your rates and make them higher.

Also note that NEMT operators have certain factors that can make their rates higher, irrespective of how flawless their drivers’ records are. For instance, if your fleet includes wheelchair-accessible vehicles like vans or buses or you have vehicles that are fitted to transport stretchers, then you should expect your rates to be higher than other transportation companies.

Note that this situation is also the same for vehicles that move patients on stretchers. Most often, passengers who require wheelchairs and stretchers tend to have other complicated health issues that increase the NEMT provider’s risks.

Another factor that can also impact your rate is the correlation between the number of vehicles you have and the number of drivers you have. Have it in mind that the more vehicles you have on the road, the higher your rates.

However, if you are looking to acquire adequate insurance for your NEMT business, there are numerous insurance companies to consider in the United States. Here are the top insurance companies for NEMT businesses in the United States.

What are the Best NEMT Insurance Companies in 2023?

  1. Progressive Commercial

This insurance company is renowned for its competitive rates and flexible payment plans that ensure that your commercial auto insurance policy remains as affordable as possible. Coupled with accepting monthly payments, Progressive also makes available a paid-in-full discount of up to 15% when you pay for your policy in advance.

As a NEMT provider, a Progressive policy gives you access to expert customer support, in-house claims adjusters, flexible coverage, payment options, and more.

  1. Bankers Insurance

Bankers Insurance offers non-emergency medical transportation insurance, paratransit insurance, and ambulette insurance. They claim to be people helping people and are extensively passionate to do what is best for their clients. Have it in mind that their agents are professional, and they understand the needs of NEMT Providers.

They will also strive to be your trusted insurance adviser, making available the right fit for your insurance needs. As one of the largest insurance agencies in the area, their clients get unrestricted access to hundreds of insurance companies with best-in-class pricing.

  1. Southern States Insurance

Established in 1992, Southern States Insurance, Inc. has expanded into one of the biggest privately held independent insurance agencies in the Southeast. Note that their offices are spread throughout Georgia and their client base reaches across the United States.

With Southern States Insurance you get more than an insurance quote you get an insurance agent who personally works to see you succeed.

  1. American Business Insurance Services

Note that this insurance company has been writing policies for NEMT providers for over 35 years. American Business Insurance Services has specialized in livery coverage for a long time, and this class includes Taxicab, Limousine & Non-Emergency Medical.

They are a full-service agency offering a vast range of coverage options to fit your needs. Their portfolio of coverage includes Auto Liability, General Liability, Work Comp, Occupational Injury, and Collision insurance for virtually any commercial vehicle.

  1. Balsiger Insurance

This insurance company is more about cultivating long-term relationships and they take pride in the fact that their clients barely leave once they start working together. Have it in mind that their team boasts of industry experience and is well versed in commercial or personal insurance. As a broker, Balsiger Insurance has access to the best insurance options for your company.

Their operating territory for Non-Emergency Medical Transport business insurance includes Nevada, Washington, Oregon, California, Arizona, Utah, Tennessee, Texas, Pennsylvania, Florida, Minnesota, Montana, New Mexico, Missouri, Ohio, Wisconsin, Illinois, Indiana, Idaho, Georgia, Colorado, North Dakota, and North Carolina.

  1. NEMT Insurance

This is a DBA of Garzor Insurance, an Independently-owned insurance agency located in Orlando. As a well-known leader in the passenger transportation insurance industry, their parent company Garzor Insurance specializes in serving “niche” or underserved markets.

Have it in mind that their proven, superior underwriting model ensures flexibility to write unique coverage’s in a vast range of diverse public transportation businesses like Ambulatory Transportation, Stretcher Transportation, Wheelchair Transportation, Door to Door Transportation, Curb to Curb Transportation, Long Distance NEMT, and much more.

They serve four primary markets in the country Including Alabama, Florida, Georgia, Illinois, Massachusetts, North Carolina, South Carolina, Tennessee, Utah, Virginia, and Oklahoma

  1. Sovereign Risk Solutions

Non-Emergency Medical Transportation remains the specialty of Sovereign Risk Solutions. They understand the needs of NEMT businesses and the unique clientele these businesses serve every day. They also understand the insurance needs of NEMT businesses and the compliance standards they are expected to maintain.

Sovereign understands that NEMT is unique and the protection these businesses require does not fit into the standard offerings and that is why they pull quotes from multiple partners and customize paratransit insurance policies to fit the needs of these businesses.

  1. Wright Risk

With Wright Risk Consultants, you leverage the skill and experience that comes from more than 30 years in the medical transportation insurance industry. They have excellent access to insurance market leaders, a deep understanding of what is best for your business, and also a policy that truly works for your needs.

Also, note that NEMT insurance remains the major specialty of Wright Risk. It’s not just one of many services they offer, rather it’s something they focus on and understand on a well-detailed level.

  1. La General Insurance

La General Insurance remains an independently owned and operated insurance brokerage known to specialize in non-emergency medical transportation (N.E.M.T.) insurance and other commercial risk insurance. They see to the needs of clients located and operating throughout The Golden State and their professional staff boasts of over 100 years of collective commercial and personal insurance experience.

  1. Prime Insurance Company

Well-known as an excess and surplus (E&S) lines insurance company, Prime Insurance specializes in property and casualty insurance for non-traditional, specialty risks. This company currently produces an excess of $200 million gross premiums annually, writes E&S business in all 50 states, and boasts of an “A” (Excellent) rating by A.M. Best.

They make available coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one platform.

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