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Why Your NEMT Business Needs Insurance

Learn why your NEMT business needs unique insurance coverage from The Wright Risk Consultants.

If you run a non-emergency medical transportation (NEMT) business, then it is vital that you have the right insurance coverage to protect yourself, your clients, and your business. While traditional auto insurance will cover everything you need on a personal or commercial vehicle, it will not be able to cover some of the specific uses that your business needs coverage for.

Whether you are a start-up or have been in business for years, The Wright Risk Consultants can provide the special non-emergency medical transportation insurance you need. Contact us today to get a free quote for your business in Tennessee, Georgia, Mississippi, Alabama, and beyond. We’re here to provide the coverage you need to keep your business running smoothly.


What Is NEMT Insurance?

If you run a non-emergency medical transport business, then you know that your insurance needs are unique. Your job is to protect your passengers, which means you need insurance that will cover your business if a passenger is injured. While there is the potential that a passenger could suffer an unrelated medical event during transportation, the primary consideration of NEMT insurance is to provide the level of protection needed in the event of injuries sustained during a collision.

NEMT Drivers and Employees

Your drivers and employees require a different level of protection than they would in another transport business as your clients require a greater level of care and assistance. This increased need can put your employees at a higher risk of sustaining a work-related injury. From assisting passengers in wheelchairs up and down ramps to providing medical assistance as needed, it’s vital that you protect your business and your employees with the right level of insurance.

Unique NEMT Vehicle Needs

Due to the type of passenger you regularly transport, you’ve likely invested a large amount of money into the wheelchair ramps, lifts, and other special equipment necessary to serve their needs. With that in mind, it’s important to make sure that you protect your investment by obtaining the right type of insurance coverage.

What NEMT Insurance Covers

You are probably already well aware that your non-emergency medical transport business requires some very specific insurance coverage due to your unique field. While many adults are living longer lives due to advances in medicine and technology, they’re not always able to drive themselves to the places they need to go. Whether you are transporting individuals who walk with assistance, use a wheelchair, or are in a stretcher, it’s important to make sure that you have the right level of insurance coverage to protect your business. When you are looking into NEMT insurance, remember to check that the following items are included:

  • General liability coverage
  • Professional liability coverage
  • Auto liability coverage
  • Physical damage coverage
  • Worker’s compensation coverage

While you may need some additional coverages, these are the basic items that you’ll want to make sure you have.

NEMT Insurance Experts

At The Wright Risk Consultants, we know you’ve worked hard to establish and grow your business, which is why we offer the insurance coverage you need to protect it. We proudly offer NEMT insurance across Tennessee, Georgia, Mississippi, Alabama, and beyond, so contact us today to get your free quote!