Paratransit as well as non-emergency medical transportation businesses are exposed to general liability that usually comes from picking up patients from their residence and escorting them to the inside of a medical facility. Businesses like these are specialized, door-to-door transportation providers for people with disabilities, are older, economically challenged, and many times unable to ride fixed-route public transportation. The transportation is based on pre-scheduled appointments and the paratransit service is usually compensated by medical insurance plans such as Medicare or Medicaid.
Non-emergency medical transportation (NEMT) insurance is a type of for-hire livery coverage designed to protect business vehicles used to transport patients to medical appointments on a pre-arranged basis. While providing these services, accidents could happen which may then turn into claims and/or large settlements.
As an owner of a Non-Emergency Medical Transportation (NEMT) business you must also consider general liability insurance. General liability will protect your business in the event that one of your drivers-employees injures someone at work or damages someone's property. It can also protect your business against claims of third-party bodily injury and property damage, brand or business reputation damage, and advertising injury. It covers medical bills, repair costs & legal fees.
Having Automobile Insurance combined with General Liability can also protect your business from the effects of car crashes. Each state levies their own requirements for non-emergency medical transportation insurance.
Some of the businesses that can benefit from NEMT insurance include:
- Non-Emergency Medical Transportation
- Paratransit
- Fixed-Route Public Transit
- Demand-Response Public Transit
- Ambulette
- Social Service Agencies with Transit
- Nursing Homes and Retirement Communities
- Taxi Operations
- Wheelchair and Stretcher Transportation
- Elderly and/or Handicapped Passenger Transportation
Insurance carriers usually have a set of non-emergency medical transportation requirements and rating factors you’ll need to consider, such as:
- The vehicle’s age and seating capacity – Many insurance carriers have requirements for older vehicles or vehicles exceeding a certain number of seats.
- The age of your drivers – Younger drivers might affect your eligibility.
- The vehicle’s features – Vehicles equipped with lightbars, sirens and life support equipment, including oxygen tanks, are typically prohibited.
- Safety equipment and written procedures – Insurance companies have guidelines for vehicles with wheelchair access.
Our insurance agency, NEMT Insurance, is licensed in many states like Alabama, Florida, Georgia, Illinois, North Carolina, South Carolina, Tennessee, Utah, Virginia, Oklahoma, and Texas. Our Florida location has served the insurance needs of our local Medical Transportation community for over 12 years by offering a full spectrum of business insurance services for owners/operators and small to large fleets. We represent a wide range of transportation insurance carriers, catering to the individual needs of our clients.
Contact us at (407) 286-5320 or visit us online at NEMT Insurance to request a quote.