NEMT Insurance

NEMT insurance is commercial insurance for businesses that provide non-emergency medical transportation. It helps protect companies that transport patients, seniors, wheelchair users, and other passengers who need transportation to medical or care-related appointments.

Coverage depends on your vehicles, drivers, contracts, passengers, and state or broker requirements. Common options may include commercial auto liability, general liability, physical damage, workers’ compensation, professional liability, hired and non-owned auto, and abuse or molestation coverage when required.

Many NEMT businesses need higher limits because they transport passengers who may require extra assistance or because contracts, brokers, Medicaid programs, facilities, or managed care organizations may require specific coverage limits before approving service.