Non-Emergency Medical Transportation

Comprehensive Coverage: All Auto, GL/PL, & Workers' Comp

Our specialized NEMT Program offers highly competitive rates and expertly addresses challenging placement issues with tailored solutions. For a quote and more information, contact us today!

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Eligible Coverages

Commercial Auto Liability
Stand-alone Hired & Non-owned
Physical Damage
Large Deductible Programs Available
Workers' Compensation

Program Highlights

Carrier “A” Rated Admitted (Excellent XV)
More than 20 Years of Experience in Commercial Auto
Superior Claims Handling and Unique Risk Management Services
Very Competitive Rates and Commissions

Target Classes

NEMT
Ambulances
Hospitals & Health Facilities
Retirement Homes & Senior Centers
Driving Schools
Security Guards
Funeral Operators
Large Loss Accounts
Overseas Companies with U.S.-based Operations

Stand-alone Hired and Non-owned
Symbol 10 / Manuscript Coverage
Real Estate Investment Trusts
Large Sales Fleets
Landscapers
Contractors
Special Events
Farming & Agriculture Risks
Couriers

Undesired Classes: Taxis, Buses/Public Livery, Uber/Lyft Exposures, Trucking for Hire, Dump Trucks, Ready Mix Operations, Sand & Gravel Haulers, Towing Operations, Garage Liability, Auto Dealers, Car Rental Operations, Railroad Operations, Waste Haulers, Hazardous Material Haulers

We Offer Many Transportation & Specialty Programs.

Please contact an Underwriter if you have any opportunities that fall outside the above.

Lines of Coverages

Business Auto Liability
Uninsured / Underinsured Liability
Medical Payment Coverage
PIP Coverage when required by State Law
Hired & Non-owned Coverage
Auto Physical Damage – Comp & Collision

Limits & Deductibles

Primary Auto Limits of $100,000 to $1,000,000 (Higher Limits may be available)
Liability Deductibles are available starting at a $25,000 Minimum Deductible
Physical Damage Deductibles require a $1,000 Minimum Deductible

Submission Requirements

Specialty Transportation Application and Instructions
Completed Vehicle Schedule Form
Completed Driver Schedule Form
Paratransit Supplemental Application (if applicable)
Write on ISO Business Auto Form
Filings: Federal DOT Filings are not intended to be provided with this program. Form E and other state regulatory filings will be filed when required.
Require that the Risk has been in business for at least one year
Minimum Policy Premium: $10,000
Doing business in all States except: AK, HI, LA, MA with CA, NY & VA coming soon!

Driver Criteria: The minimum driver age is 21 years old; however, Underwriting willing to discuss exceptions. Drivers and employees of ambulance companies maybe under 21 years of age as long as they have completed an EMT or Paramedic training program.

The following driver guidelines will apply to ALL drivers:

All drivers must have a valid Commercial Driver’s License when required.
Any driver who has 2 moving violations: 1 accident and 1 moving violation within the last 36 months will be placed on “Watch” in which case the insured will be notified that they may have a potential problem with a driver.
Any driver who has either 3 moving violations: 1 accident and 2 moving violations or 2 accidents within the last 36 months will be placed on probation. When placed on probation the agent must submit a new MVR for this driver every six months until they fall out of probation; should they obtain another moving violation or an accident then they will be excluded.
Any driver who has a DUI, reckless driving, vehicular manslaughter or any other serious charge the underwriter believes fits within this category within the last 7 years will be excluded from the policy.