Insurance Requirements for NEMT Companies

Coverage commonly required

While the specifics depend on your contracts, NEMT providers are frequently asked to carry:

• Commercial auto liability, often at limits higher than a typical business vehicle.
• Uninsured and underinsured motorist coverage.
• Physical damage coverage for owned vehicles and wheelchair-accessible equipment.
• General liability for injuries outside the vehicle, such as during loading and assistance.
• Workers’ compensation for drivers and staff.
• Abuse and molestation coverage, which some contracts require.
• Umbrella or excess liability to meet higher contractual limits.

Start with your contract

Before shopping for coverage, gather the insurance section of every broker, Medicaid, or facility agreement you have or plan to sign. Note required limits, additional insured wording, and certificate requirements. Buying coverage first and checking the contract later is a common source of delays.

What underwriters look at

Insurers often review driver experience and motor vehicle records, vehicle types and values, radius of operation, trip volume, passenger assistance training, and prior claims. Strong hiring standards and documented driver training can make a submission more attractive.

Planning for growth

Adding vehicles, drivers, or new service areas usually needs to be reported to your insurer. Keep an up-to-date vehicle and driver schedule so you can add capacity without coverage gaps.