California NEMT Insurance for Non-Emergency Medical Transport Operato…
Quick Answer
California NEMT insurance from Casurance — auto liability, physical damage, GL for non-emergency medical transport operators. Request a quote.
Specialized coverage for California wheelchair van operators, paratransit fleets, dialysis transportation providers, and Medi-Cal NEMT contractors — statewide from Los Angeles to the Bay Area. Start your quote with Casurance and bring your vehicles, drivers and contract requirements together in one submission.
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Keep your next patient trip and your next contract moving
A new van, a growing dialysis route or a managed-care contract can change what your insurance needs to do. Casurance helps California medical transportation businesses review commercial auto, physical damage and supporting liability coverages around the services they actually provide.
Tell us who you transport, how passengers are assisted and where your vehicles operate. We can review wheelchair lifts, ramps, securement equipment, scheduled drivers, facility work and broker requirements alongside your current policy. New ventures, small fleets and operators with prior losses can request a review.
Coverage shaped around the trips you provide
Wheelchair & paratransit service
Describe the vans, wheelchair positions, lifts or ramps, securement procedures and assistance provided before and after each ride.
Dialysis & recurring appointments
Include recurring routes, operating hours, annual mileage and the facilities or transportation brokers that arrange your trips.
Ambulette, stretcher & gurney transport
Identify patient handling, attendants, equipment and the level of service. Disclose any ambulance or emergency work separately so it can be evaluated correctly.
Senior & adult day care transportation
Explain passenger assistance, facility agreements and whether you use employees, contractors or subcontracted transportation providers.
Medi-Cal & managed-care contracts
Bring the actual insurance exhibit, certificate instructions, limits and endorsement requests for the contract you want to service.
Private-pay & mixed operations
List medical appointment trips, ambulatory passenger work and other transportation services so the submission reflects the whole business.
One vehicle or an entire fleet. We have a program for your operation.
Casurance offers NEMT and paratransit insurance programs for single units, small fleets and large fleets. From your first wheelchair van to a mixed operation serving hospitals and transportation brokers, we help arrange the commercial auto and business coverages you need to keep moving.
Single units & new ventures
Starting with one van? Tell us your experience, vehicle, passenger services and first contract. We help you build a submission for the road ahead, including new operations with no prior commercial policy.
Small & growing fleets
Adding drivers, vehicles or a new service area? Review your vehicle schedule, accessibility equipment and contract requirements together so your insurance keeps pace with your business.
Large & mixed fleets
Bring your wheelchair vans, gurney vehicles, stretcher vans and paratransit shuttles into one coordinated review. We work through multiple garaging locations, driver schedules, loss history and higher-limit contract needs.
Wheelchair vans & single-unit operators
Commercial auto and supporting liability coverage for wheelchair transportation, ambulatory trips and medical appointments. Include your lift or ramp, wheelchair positions, securement equipment and vehicle value.
Gurney vans & ambulette services
Build the submission around the services you provide: gurney transportation, hospital discharge, facility transfers or other non-emergency trips. Describe attendants, patient assistance and equipment used on each assignment.
Stretcher vans & specialized transport
Review vehicle liability alongside professional liability, general liability and SAM exposures. Disclose transfer assistance, staffing, bariatric services where applicable, and any medical care or ambulance work separately.
Small NEMT & paratransit fleets
Programs for growing operations serving dialysis centers, senior communities, adult day care and recurring medical appointments. Keep vehicles, drivers, new contracts and renewal dates organized in a single submission.
Large fleets. Multiple contracts. One insurance team.
Coordinate commercial auto, physical damage, GL, PL, SAM, workers’ compensation and umbrella or excess for an established fleet. Include your operating territories, garaging locations, subcontracted work and broker or agency contracts so we can review the full operation.
The full coverage package your NEMT business needs
Your business needs more than a vehicle policy. We help arrange the coverages your operation and contracts call for, coordinating the review across policies and carriers where needed.
Commercial auto liability
Protection for covered vehicle-related bodily injury and property damage claims. We review scheduled vehicles, drivers, operating territory and the liability limits requested by your contracts.
Physical damage & accessibility equipment
Comprehensive and collision options for your vans and shuttles. Include installed wheelchair lifts, ramps and vehicle modifications in the valuation and equipment review.
General liability (GL)
Coverage for covered premises and business-operations claims. Review passenger assistance and loading or unloading exposures alongside the auto and professional liability policies.
Professional liability (PL)
Review allegations of negligent passenger handling, assistance or services within the insured scope of your operations. Particularly important to discuss when attendants provide hands-on assistance.
Sexual abuse & molestation (SAM)
Coverage review for allegations involving vulnerable passengers and personnel. Ask about the insured persons, defense provisions, exclusions and limits required in your contracts.
Workers’ compensation
Coverage for employee work injuries, including drivers, attendants and dispatch staff. Share payroll, job duties and employee or contractor arrangements so the submission reflects how you staff the business.
Umbrella & excess liability
Additional liability capacity above scheduled underlying policies, subject to the excess policy terms. We review attachment points, underlying coverage and any higher limits needed for a contract or agency bid.
Other business protection
Hired and non-owned auto, cyber liability, commercial property, crime and employee dishonesty may also belong in your program. Tell us about rented vehicles, offices, equipment, electronic trip records and subcontractors.
Ready for your next broker, hospital or agency contract?
Send us the insurance exhibit before your credentialing or renewal deadline. Casurance helps review the limits, policy types, endorsements and certificate wording requested by MTM, Modivcare, Medi-Cal managed-care plans, hospitals and state agencies.
MTM, Modivcare & transportation brokers
Share the requirements for your specific network, state and service. We review the requested auto, GL, PL, SAM, workers’ compensation and excess coverages against the proposed policies.
Medi-Cal & managed-care plans
Include the plan or contracting entity, service agreement and certificate instructions. Different arrangements can call for different limits, endorsements and proof of insurance.
Hospitals, dialysis centers & care facilities
Bring discharge, transfer and recurring-route agreements. We review passenger assistance, facility work, certificate holders and requested additional-insured wording.
State agencies & public transportation contracts
Send bid specifications and insurance exhibits early. Include paratransit services, operating territory, subcontractors, higher liability limits and any required filings or endorsements.
- Required policy types, liability limits and excess layers
- Additional insured and certificate-holder information
- Waiver of subrogation and primary/noncontributory wording where requested
- Requested cancellation provisions and available policy endorsements
- Effective dates, renewal deadlines and vehicle or driver schedules
Protect the passenger journey beyond the time on the road
Boarding, loading, unloading, wheelchair securement and gurney transfers deserve a specific insurance review. A claim may involve auto, general liability or professional liability depending on the facts and policy language. We help review those policies together, including exclusions and the services your staff perform.
Bring your fleet information. We’ll help with the insurance.
Drivers & attendants
Names, experience, MVR information, background screening and passenger-assistance training, plus any first-aid or CPR qualifications relevant to the work.
Vehicles & equipment
VINs, values, seating, wheelchair positions, lift/ramp specifications, inspection and maintenance records, and securement procedures.
Operations & contracts
Trip types, mileage, hours, service territory, facilities served, broker relationships and employee or subcontractor arrangements.
Current coverage & loss history
Policy declarations, carrier-issued loss runs, payroll and driver/vehicle schedules. Include explanations of material changes or prior claims.
Programs are available for review across fleet sizes. Eligibility, coverage, limits and endorsements depend on underwriting and the issued policies. Contract review does not itself confer broker approval or bind insurance.
California NEMT Vehicles We Insure
From single-vehicle operators to large California paratransit fleets — we place coverage for every NEMT vehicle type statewide.
Wheelchair Vans — Accessible vans & equipment
Paratransit — Sacramento & Bay Area fleets
Ambulettes — LA, San Diego & Inland Empire
Dialysis Transport — Repeat-route specialty coverage
Why California NEMT Operators Choose Casurance
CA PUC & Medi-Cal Compliant
Review applicable California PUC authority, Medi-Cal or managed-care contracts and broker certificate standards with your submission; requirements depend on your operation.
Competitive CA Market Access
Multiple admitted and E&S markets for California NEMT — including operators others decline.
Same-Day CA Certificates
Fast certificate issuance for Medi-Cal managed care plans, dialysis centers, and broker contracts.
New Ventures Welcome
Markets for 1–3 vehicle new-venture California NEMT operators with no prior loss history.
Hard-to-Place Accounts
Prior losses, lapsed coverage, or recent broker contract changes? We still have markets for you.
CA NEMT Specialists
Agents familiar with ModivCare, MTM, Veyo, Logisticare, and California managed care plan requirements.
California NEMT Coverage Options
Commercial Auto Liability
$750K–$1.5M+ — Primary vehicle liability coverage. Review the selected limit against your actual operating authority and Medi-Cal or managed-care contract; a displayed limit is not a universal minimum.
Physical Damage
Stated Value — Comprehensive and collision coverage for wheelchair vans, ambulettes, and lift-equipped vehicles in your California fleet.
General Liability
$1M/$2M — Covers bodily injury and property damage incidents not arising from vehicle operation — required by many Medi-Cal contracts.
Workers Compensation
Statutory — California requires workers comp for all employees. Covers driver and aide injuries including patient loading incidents.
Professional Liability
$1M+ — Coverage for claims arising from improper patient securement, wheelchair tie-down failures, or negligent patient assistance.
Abuse & Molestation
Per Contract — Review abuse and molestation coverage for operations serving vulnerable adults and children, including any requirement in your Medicaid, Medi-Cal or facility contract.
Umbrella / Excess
$1M–$5M+ — Many California Medi-Cal broker contracts require umbrella above primary limits. We place up to $5M+ in excess coverage.
Hired & Non-Owned Auto
Available — Covers liability for rented, leased, or employee-owned vehicles used in your California NEMT operation.
California Medi-Cal & PUC Compliance
The limits and endorsements needed for a California NEMT operation depend on its services, applicable operating authority and actual Medi-Cal, managed-care or facility contracts. Our team reviews these requirements and helps arrange appropriate certificates and endorsements.
Review $1M–$1.5M CSL and other available limits against your actual authority and contract
Additional insured, waiver of subrogation, primary/non-contributory endorsements
Certificates for DHCS, managed care plans, broker contracts & facilities
Abuse & molestation coverage where requested by the contract or needed for the operation
CA NEMT Liability Limits by Vehicle
Illustrative limits for discussion, not a statewide requirements table. Your authority, seating capacity, service and contract may call for different limits; confirm them before binding.
Ambulatory Sedan / SUV — $750K–$1M CSL
Wheelchair Van / Ambulette — $1M–$1.5M CSL
Paratransit Bus (9–15 seats) — $1.5M CSL
Stretcher / Gurney Van — $1M–$1.5M CSL
Dialysis Transport — $1M CSL example
Umbrella / Excess — $1M–$5M+
California NEMT Insurance FAQs
Does Casurance write NEMT insurance throughout California?
Yes. We place California NEMT commercial auto, general liability, and physical damage statewide — Los Angeles, Bay Area, San Diego, Sacramento, Inland Empire, Central Valley, and beyond.
Which NEMT broker insurance requirements does Casurance support?
We work with operators contracted to Logisticare, MTM, ModivCare, Veyo, and managed-care plans — and handle the certificates, additional-insured endorsements, and limits those contracts require.
Can you quote new-venture California NEMT operators?
Yes. We have markets for new-venture and 1–3 vehicle California NEMT fleets — including operators with no prior commercial auto loss history.
What auto liability limits are available for California NEMT?
Up to $1.5M combined single limit on the primary policy, with commercial umbrella and excess layers available depending on broker contract requirements.
Do I need a CA PUC number to get NEMT insurance in California?
Not always — requirements depend on whether you operate under public authority or under a managed care / Medi-Cal broker contract. Our agents can help you determine the right licensing and insurance path for your operation.
Ready to Get Your California NEMT Quote?
Get a free, no-obligation California NEMT insurance quote. Start with your business and contact details, then complete the application for an agent review.
What affects the cost of California NEMT insurance?
Vehicle count and value, wheelchair or stretcher use, garaging ZIP codes, mileage, driver experience, loss history and requested limits all influence underwriting. Passenger assistance, employee arrangements and contract requirements can also affect which coverages and markets fit your operation.
A useful comparison looks beyond the premium: review deductibles, covered equipment, passenger loading and unloading, exclusions, hired or non-owned vehicles, and the endorsements your contracts require. Send your current policy and loss runs so we can review the renewal in context.
Two steps. One complete NEMT submission.
Save your business and contact information, then continue to the existing /apply/nemt application for coverage, operations, vehicles, drivers and documents.
Vehicles & accessibility equipment
VINs, year/make/model, seating, wheelchair positions, vehicle values, garaging and lift or ramp details.
Drivers & passenger assistance
Driver schedule, experience, training, attendants, employment arrangements and securement practices.
Current coverage & loss history
Declarations, renewal date, available carrier-issued loss runs and details of changes since the last policy.
Contracts & certificates
Medi-Cal or managed-care agreements, broker or facility instructions, certificate holders and required endorsements.
More NEMT questions, answered
Can I include wheelchair lifts and other installed equipment?
List the equipment and its value with each vehicle. We can ask the carrier to review the valuation and policy provisions for installed lifts, ramps and related equipment; coverage depends on the issued policy.
Can I start before I have every document?
Yes. Save your contact and business information first, then complete the marked application fields and add the schedules and documents you have. Tell us what is pending and your target start or renewal date.
Are NEMT and NMT the same for Medi-Cal?
No. Medi-Cal distinguishes non-medical transportation from non-emergency medical transportation such as wheelchair or litter-van service. Describe both if you provide both, because your vehicles, assistance and contract requirements may differ.
Does a quote request activate insurance?
No. A quote request starts the review. Insurance becomes effective only after coverage is confirmed and bound by an authorized representative.