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What Does NEMT Insurance Cover?

Discover some of the unique features of NEMT insurance and get a free quote from The Wright Risk Consultants.

In the day-to-day activities of your non-emergency medical transportation (NEMT) business, it’s easy to forget what your insurance covers. From driving passengers back and forth to appointments and assisting clients with wheelchair ramps to providing medical care en route and more, there are an almost never-ending list of tasks you must take care of.

At The Wright Risk Consultants, we want to provide the special insurance coverage that your unique business needs. From your clients and employees to your vehicles and your business, we are here to make sure you’re covered. Contact us today to get a free quote for your NEMT business in Tennessee, Georgia, Mississippi, Alabama, and beyond.

NEMT Insurance

Unlike taxis and other public-transit vehicles, your NEMT vehicles are used to transport passengers to and from medical appointments, which means your insurance needs are unique to your field. When you are looking for NEMT insurance, be prepared to provide information on a number of aspects of your vehicles, including:

  • Age of vehicles
  • Seating capacity of each vehicle
  • Age of all drivers
  • Vehicle’s features — some features could disqualify certain vehicles
  • Safety equipment
  • Written procedures

Depending on the type of municipality and private facilities you work with, you might need to add additional insurance coverage to your policy in order to meet their minimum requirements. When you speak with one of the experts at The Wright Risk Consultants, we’ll be sure to go over your business contracts with you to ensure that you have the right coverage.

What Impacts Your NEMT Costs

While there are a number of items that are typically covered in non-emergency medical transportation insurance, your costs will be unique to you and the specific factors of your business. We know you don’t want to pay too much for insurance, but you need to be careful not to risk a lack of coverage in your search for cheaper insurance. At The Wright Risk Consultants, we’ll be happy to help you find the NEMT insurance policy that fits your budget and provides the coverage you need. Some of the factors that impact cost include:

  • Location and travel radius
  • Driving history
  • Value of vehicle and any attached equipment
  • Age and type of vehicle
  • Claims history
  • Coverage needs

Coverage Requirements

As we mentioned before, the type of coverage your business requires will be unique to your needs. We will look at the types of passengers you transport, your NEMT fleet, your employees, and more to ensure that we are providing the coverage you need. Some requirements you might need include:

  • Coverage for loading and unloading
  • Sexual abuse and molestation coverage
  • Hired and non-owned coverage
  • And more!

When you speak with one of our representatives, we will make sure to analyze your current insurance , as well as any minimum requirements that may be necessary for your business due to changes in insurance requirements.

Your Choice for NEMT Insurance

From your passengers and employees to your vehicles and your business, you want to make sure you have the right insurance coverage, and we can help. We proudly serve NEMT business across Tennessee, Georgia, Mississippi, Alabama, and beyond. Contact The Wright Risk Consultants to learn more about the insurance policies we offer and get your free quote.