NEMT Insurance
Quick Answer
Explore Casurance NEMT programs for single wheelchair vans, gurney and stretcher vehicles, small fleets and large operations. Start a two-step insurance quote.
Your passengers depend on the next ride. Your business needs insurance built around the entire trip. Casurance helps medical transportation operators bring vehicles, passenger assistance, employees and healthcare contracts into one coordinated coverage review.
Choose your NEMT insurance program
One owner-operated van, a small team running recurring appointments, or a large fleet serving several facilities: we have programs to consider at every size. Tell us your current unit count and what you plan to add so the proposal supports your next stage.
Find My NEMT Program · 1-888-254-0089
Two-step request: save business and contact details, then add operations, coverages, vehicles, drivers and documents.
NEMT vehicles and services we insure
Request coverage for wheelchair-accessible vans, ambulettes, non-emergency gurney and stretcher vans, ambulatory sedans, accessible shuttles and paratransit fleets. Include dialysis, rehabilitation, senior living, adult day care, private-pay appointments and broker-dispatched trips. Identify any ambulance, emergency response or clinical treatment separately; those services need their own underwriting review.
The coverage behind a dependable operation
Start with commercial auto liability and physical damage, including the declared value of conversions, ramps and lifts. Build out general liability for non-auto exposures, professional liability for covered service allegations, sexual abuse and molestation (SAM), workers’ compensation and umbrella or excess liability. We can also review hired and non-owned auto, uninsured/underinsured motorists, medical payments where available, cyber, property and portable equipment. Coverage depends on the policy terms and accepted operations.
Bring the contract you want to win
An MTM Health, Modivcare, hospital, medical group or state-agency insurance exhibit is more useful than a generic limit checklist. Send the complete exhibit, certificate-holder instructions and planned start date. Casurance can compare requested auto and general liability limits, professional liability, SAM and excess requirements with available coverage and endorsements. Insurance placement does not itself approve a provider for a transportation network.
Medi-Cal, Medicaid and operating authority
California distinguishes NEMT from non-medical transportation; wheelchair and litter transport involve different service and documentation considerations from an ordinary passenger ride. Source: DHCS transportation services guidance. For other states, identify the payer, service area and vehicle classification before deciding which enrollment, authority and insurance filings apply. Medicare Advantage transportation benefits are plan-specific; do not treat a Medicare reference as a universal NEMT contract.
Local trips change the underwriting story
Illustrative examples: a Los Angeles hospital-discharge operator should explain curbside loading and waiting time; a Phoenix dialysis fleet should describe heat-related vehicle readiness and backup transportation; a Chicago accessible shuttle should address winter loading areas and depot parking. These examples help us ask useful questions about radius, property exposures and passenger assistance. They are not reports of customer claims or separate city insurance minimums.
Why bring your submission to Casurance?
Give our team a clear account of your business once, then use Step 2 to add the vehicle schedule, drivers, loss history and contract documents. New ventures can describe the owner’s relevant experience and operating plan. Established fleets can show maintenance, training and loss improvements. We review options against the work you actually perform, help identify missing information and explain the conditions that matter before binding.
Choose limits with a purpose
A $1 million auto limit, $1 million/$2 million general liability arrangement or additional excess layer may appear in a contract, but those examples are not nationwide legal minimums. Higher passenger capacity, facility requirements and severe-loss exposures may change the structure. Tell us the limits requested by each buyer and we can review the combination rather than assuming one certificate satisfies every account.
Questions about choose your nemt insurance program
Can I request insurance before my first NEMT contract?
Yes. Share your planned services, vehicles, driver experience and anticipated contracting requirements. New-venture eligibility and any binding conditions depend on the insurance market.
Do wheelchair vans and gurney vans belong on the same submission?
They can be presented together when both are part of your operation. Describe each vehicle’s equipment and the assistance provided so neither service is hidden under a general van description.
Can you help with certificates after coverage is arranged?
Casurance can assist with certificates reflecting bound coverage. Additional-insured status, waivers and other requested terms must be supported by the policy and approved endorsements.