Non-Emergency Medical Transportation Insurance

What does non-emergency medical transportation insurance cover?

There are different levels of coverage available to a non-emergency medical transportation business.

General liability covers any damage that occurs due to an accident, such as an injury or property damage.
Professional liability will cover any legal issues that arise outside of an accident, such as negligence, failure to fulfill contractual obligations, or mistakes in care. This is similar to the malpractice insurance that a care provider would carry.
Worker’s compensation protects your workers in the event of injury or illness that occurs while working if they need to miss work. It also prevents the employee from seeking further legal action as a result of their illness or injury.

Non-Emergency Medical Transportation Insurance Cost

The cost of an NEMT insurance policy varies based on a number of different factors:

Direct factors

The number and types of vehicles you plan to insure is the first factor we look at when building a quote for a non-emergency medical transport insurance policy. Businesses with more vehicles will have higher policy premiums than those with just a few vehicles. Additionally, some types of vehicles are more expensive to insure than others. For instance, a transport vehicle with a wheelchair lift will cost more to insure than a standard minivan with a sliding door.

The location in which you operate also plays a part in your policy. Driving in areas that have higher inherent danger will affect your rates, and operating in a wider radius will affect your rates as well.

Historical factors

Your experience in medical transport and the driving records of your drivers plays an important part in determining your policy premium. The driving records of all of your drivers must be checked, and any recent moving violations will affect your rate.