Specialized Protection

NEMT Insurance Made Simple

Non-emergency medical transport businesses face unique risks. At Wright Risk Consultants, we provide tailored insurance solutions designed to protect your vehicles, passengers, and operations, giving you peace of mind to focus on providing essential services.

Contact Specialist Ro Collins
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Local Expertise

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Tailored Coverage

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Comprehensive Support

Why Choose Wright Risk

Coverage Built for NEMT

Your business has specific needs, and we ensure every policy meets those challenges head-on. From protecting your vehicles to covering liability and unforeseen events, our NEMT insurance provides the security you need to operate with confidence.

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Seamless Claims Process

Our claims process is designed for speed and simplicity, ensuring your operations aren’t disrupted. We handle the details so you can focus on serving your clients without unnecessary delays or complications.

Industry Expertise

We understand the NEMT industry inside and out. Our team tailors every policy to address the risks you face, providing coverage that fits your operations and meets industry standards.

Common Questions

NEMT Insurance FAQs

Navigating NEMT insurance can feel overwhelming, but we’re here to simplify it. Below are answers to frequently asked questions, ensuring you’re informed, confident, and fully equipped to choose the right coverage for your business.

  • What does NEMT insurance cover?

    NEMT insurance provides tailored protection for non-emergency medical transport businesses. This includes coverage for vehicle damage, passenger injuries, liability risks, and medical-related incidents during transport. Policies often extend to third-party liabilities like property damage or bodily harm caused by accidents. By addressing the unique risks of your industry, NEMT insurance ensures your vehicles, employees, and operations remain secure, allowing you to focus on safely transporting patients.

  • Is NEMT insurance required by law?

    Yes, NEMT providers are legally required to carry liability insurance to operate in compliance with federal and state regulations. Tennessee mandates minimum coverage levels, including auto liability and passenger protection. Our team ensures your policy meets all local requirements and addresses risks specific to your operations. Failing to have proper insurance could result in fines, loss of business licenses, or serious legal exposure, so it’s critical to stay covered.

  • How is NEMT insurance different from standard auto insurance?

    Standard auto insurance doesn’t account for the specialized risks faced by NEMT providers. NEMT insurance includes broader coverage, such as liability for passenger injuries, protection against lawsuits, and vehicle damage specific to transporting patients. It also covers risks like medical liability and unforeseen incidents during transport. This tailored approach ensures your business is shielded from unique challenges, unlike personal or standard commercial auto policies, which often lack adequate protections for NEMT businesses.

  • Can I customize my NEMT insurance policy?

    Absolutely. Customization is essential to ensure your policy reflects the specific needs of your business. Our NEMT insurance policies can include options like higher liability limits, comprehensive vehicle protection, uninsured motorist coverage, and downtime protection for vehicle repairs. At Wright Risk Consultants, we take the time to understand your operations and tailor coverage that addresses your challenges while staying within your budget. Your policy is as unique as your business.

  • What should I look for in an NEMT insurance policy?

    Key components of a strong NEMT policy include liability coverage for passenger injuries, medical expense coverage, and protection for vehicle damage or theft. Additional considerations include uninsured motorist coverage and optional extras like downtime protection or rental reimbursement. Wright Risk Consultants ensures your policy includes these critical elements, giving you comprehensive protection and peace of mind. Choosing the right policy prevents operational disruptions and shields your business from financial risks.

  • What happens if my vehicle is out of service?

    When your vehicle is out of service due to an accident or breakdown, downtime coverage ensures you can maintain operations without interruptions. Some policies include rental reimbursement or replacement vehicle coverage, minimizing the impact on your business. At Wright Risk, we help you customize policies with this critical option, ensuring you have a plan in place to keep patients safe and your business running, even when the unexpected happens.

  • How do I file a claim with Wright Risk?

    Filing a claim with Wright Risk is straightforward. Contact our team directly by phone or email, and we’ll guide you through each step of the process. From documenting incidents to liaising with insurers, we handle the details to ensure your claim is resolved quickly. Our dedicated team supports you throughout, providing regular updates and ensuring your operations get back on track with minimal disruptions.