NEMT insurance for wheelchair vans, ambulettes, and medical transport fleets.
Non-emergency medical transportation is passenger work with contracts that dictate the limits. We place NEMT operators with the carriers that write it and match the certificate to the broker.
Designed for
Wheelchair van, ambulette, and stretcher transport operators, one van to a fleet
Typical contracts
Transportation brokers, Medicaid programs, hospitals, dialysis and adult day centers
What carriers ask
Vehicle list, lifts and securement, driver screening, trip volume, and contracts
Passenger coverage written to the contract
NEMT operators carry patients — wheelchair, stretcher, and ambulatory — under contracts with transportation brokers, Medicaid programs, hospitals, and dialysis centers. Those contracts set the insurance: commonly $1,000,000 to $1,500,000 in auto liability, general liability, and specific endorsements, before you can accept a single trip.
Few auto markets write passenger transportation, and fewer write medical transport. We know which do, what they charge, and what they need to see: vehicles and lifts, driver screening, trip volume, and the contracts you hold.
Coverage we arrange for NEMT operators
Common questions
How much liability does NEMT need?
Most brokers and state Medicaid programs require $1,000,000 in auto liability, and some require $1,500,000 or more. General liability is usually required as well. We quote to the contract you are trying to sign.
Is NEMT the same as ambulance insurance?
No. NEMT is non-emergency transport without medical treatment en route. Ambulance operations carry medical professional exposure and a different set of markets. If you do both, the policy must be written for both.
Can a new NEMT company get insured?
Yes. New NEMT operations are placed regularly, with fewer markets and higher first-year rates. Clean driver records, a lift-equipped vehicle in good condition, and a signed or pending broker contract help.
What does the broker want on the certificate?
Usually the broker named as additional insured and certificate holder, the required limits, and sometimes endorsements such as waiver of subrogation. Send us the requirements and we handle the certificate.
Which carriers write this?
Market appetite for non-emergency medical transportation changes by state and by year. Carrierlens is the free directory of trucking insurance markets our agency built: carriers, MGAs, and wholesalers, with the states they write and their appetite documents.
See markets for NEMT on Carrierlens →Other operations we insure
- Dump truck insurance
- Hotshot insurance
- Box truck insurance
- Reefer truck insurance
- Hazmat trucking insurance
- Tow truck insurance
- Semi truck insurance
- Bobtail & non-trucking liability
- Car hauler insurance
- Cargo van insurance
- MCS-90 endorsement
- Amazon Relay insurance requirements
By state
Get an NEMT quote
Send us the vehicles and the broker's insurance requirements. We quote to the certificate they need to see.
A quote request does not bind coverage. Availability, limits, exclusions, and effective dates are subject to carrier approval and policy terms.