Non-Emergency Medical Transportation

Non-Emergency Medical Transportation
​Non-Emergency Medical Transportation (NEMT) is a service that provides transportation for people who need to access health care services but do not have a reliable or suitable means of transportation. NEMT can include rides to and from medical appointments, pharmacies, dialysis centers, rehabilitation facilities, and other health-related destinations.

​Insurance for Non-Emergency Medical Transportation (NEMT) services covers the unique risks and liabilities that NEMT providers face. It can protect both the NEMT provider and the passengers from potential losses or damages in case of an accident, injury, or lawsuit. NEMT insurance can also cover the costs of repairing or replacing the vehicles used for NEMT, as well as the medical expenses of the passengers and drivers.

Some common coverages that NEMT providers need include:

  • Auto Liability insurance: This is usually the center of your coverages. It covers the damages and injuries you cause to others due to the operation of your vehicle. It also covers your legal defense costs if you are sued for an accident.
  • Physical Damage insurance: Covers the repair or replacement of your vehicle if it is damaged by collision, fire, theft, vandalism, or other perils. It is usually included in the Commercial Auto Policy that provides your Auto Liability insurance.
  • General Liability insurance: Covers you for claims arising from your business operations, such as slip and fall accidents, property damage, or personal injury.
  • Sexual Abuse and Molestation coverage: Covers liability claims for sexual abuse and molestation of passengers, including legal liability defense costs. This coverage is often added to the General Liability policy, but it is possible to have a separate insurance policy for this coverage.
  • Workers Compensation insurance: Covers you for medical expenses and lost wages if your employees get injured or sick on the job.
  • Excess Auto Liability insurance: Covers liability claims that exceed your primary Auto Liability coverage limit.

If you are a NEMT provider, you need to have adequate NEMT insurance to operate legally and safely in your state. NEMT insurance requirements may vary depending on the state(s) you are operating in, contracts with brokerages, HMOs, and individual hospitals and clinics, and the type of NEMT services you are providing.

Transportation Insurance Professionals is an independent insurance agency that specializes in NEMT insurance. We work with multiple reputable insurance companies to find you the best NEMT insurance policy that meets your needs and budget. We can help you compare quotes, customize your coverage, and save money on your NEMT insurance premiums. We also provide excellent customer service and support throughout the entire process.
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Whether you are a new or existing NEMT provider, we can help you get the right NEMT insurance for your business. Contact us today to get a free quote and consultation.
(763) 797-9999
418 W 3rd Street
Red Wing, MN 55066
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