Who We Help
Non-Emergency Medical Transportation is not standard commercial auto.
Every operation has unique exposure — from passenger assistance to multi-vehicle routing, contract compliance, and driver management.
We work with:
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Wheelchair & stretcher transportation providers
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Ambulatory sedan services
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Dialysis and recurring trip operators
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Hospital discharge transport
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Assisted living & facility contracts
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Start-ups and multi-vehicle fleets
Why NEMT Requires Specialized Insurance
Many insurance agencies avoid NEMT because it blends auto liability, passenger handling risk, and contract-driven compliance.
Typical programs must address:
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Auto liability for passenger injury or property damage
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Physical damage protection for vans and medical transport vehicles
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General liability exposures outside of vehicle use
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Professional liability tied to passenger assistance or transport services
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Abuse & molestation coverage frequently required in vulnerable-passenger transport
Because requirements vary by state, broker, and contract, coverage must be structured specifically for each operation.
Coverage Designed for Transportation Operations
We help build insurance programs that align with how NEMT companies actually operate, including:
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Commercial Auto Liability
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Physical Damage (Comprehensive & Collision)
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General Liability
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Workers Compensation
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Umbrella / Excess Liability
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Professional Liability Options
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Contract-required endorsements and COIs
Coverage is customized based on vehicle type, service model, and contractual obligations — not one-size-fits-all policies.
Contract & Compliance Support
Many NEMT businesses secure work through brokers, facilities, or healthcare systems — each with insurance language that must be met before operations begin.
These agreements often require:
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Specific liability limits
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Additional insured wording
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Primary & non-contributory status
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Waiver of subrogation
We help clients interpret those requirements and structure coverage so they can remain compliant and operational.
Backed by Transportation Insurance Experience
NEMT Insurance operates through Garzor Insurance, an independent agency specializing in niche transportation risks and customized commercial programs.
We work with multiple carriers to compare options and tailor policies for para-transit and medical transportation operations.
Connect With Us
What We Offer
An Independent Agency Focused on Transportation Risk
Backed by Transportation Insurance Experience
NEMT Insurance is powered by Garzor Insurance, an independent agency based in Orlando, Florida, specializing in transportation and specialty commercial risks.
As an independent agency, we work with multiple insurance carriers to help non-emergency medical transportation providers compare options and build coverage programs tailored to their specific operations—from single-vehicle startups to growing fleets.
Our focus is not just placing a policy, but helping operators meet real insurance requirements so they can stay compliant and keep their vehicles moving.
Choice … Confidence … Service.
We understand that no two non-emergency medical transportation operations are the same.
From single-owner startups to expanding fleets, we help providers secure coverage designed around how their vehicles are used, who they transport, and the contractual requirements they must meet.
We commonly insure:
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Wheelchair-accessible vans
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Ambulettes and stretcher transport vehicles
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Sedans used for ambulatory trips
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Shuttle and passenger vans
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Growing multi-vehicle NEMT fleets
Our goal is to help you operate with confidence, knowing your coverage is aligned with your business and compliance needs.