NEMT Insurance Built for Medical Transportation Providers

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:

• Wheelchair & stretcher transportation providers

• Ambulatory sedan services

• Dialysis and recurring trip operators

• Hospital discharge transport

• Assisted living & facility contracts

• 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:

• Auto liability for passenger injury or property damage

• Physical damage protection for vans and medical transport vehicles

• General liability exposures outside of vehicle use

• Professional liability tied to passenger assistance or transport services

• 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:

• Commercial Auto Liability

• Physical Damage (Comprehensive & Collision)

• General Liability

• Workers Compensation

• Umbrella / Excess Liability

• Professional Liability Options

• 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:

• Specific liability limits

• Additional insured wording

• Primary & non-contributory status

• 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.