If you operate a non-emergency medical transportation (NEMT) or paratransit business, finding the right insurance can feel overwhelming. Many carriers don’t offer coverage for these specialized vehicles, which makes the search frustrating and time-consuming. Your vehicles are the backbone of your business and protecting them with the right insurance isn’t just smart, it’s essential.
What Types of NEMT Vehicles Do We Cover?
Vans
Most NEMT businesses rely on vans for their ability to serve a wide range of clients. We cover passenger vans, mini vans and wheelchair equipped vans. Whether you transport passengers with mobility challenges or provide general medical transport, Milepost Insurance has you covered.
Sedans
If your business uses sedans for passengers, we offer custom coverage for those vehicles. This is for vehicles that do not have special accessibility needs. Sedans are a budget-friendly choice for taking customers to check-ups, follow-up visits, and short trips.
Essential Coverages for NEMT Businesses
Choosing the right coverage is critical for protecting your passengers, vehicles, and business. Common coverages include:
- Auto Liability: Covers bodily injury and property damage to other vehicles in case you cause an accident.
- Uninsured/Underinsured Motorist: Protects you if the other driver doesn’t have enough coverage.
- Comprehensive & Collision Coverage: Comprehensive and collision coverage—often called physical damage coverage or “full coverage,” is designed to protect your vehicle from costly repairs or replacement after an accident or unexpected event. Here’s what each part means:
- Collision Coverage: This covers damage to your vehicle if you have an accident with another vehicle or object. It does not matter who is at fault.
- Comprehensive Coverage: This protects your vehicle against non-collision events, such as theft, vandalism, fire, or natural disasters.
- Personal Injury Protection (PIP): Helps cover medical expenses for you and your passengers.
Factors That Impact the Cost of NEMT Insurance
The cost of non-emergency medical transportation insurance can vary widely based on several factors. Understanding these can help you plan and budget effectively:
Type of Vehicle and Equipment - Wheelchair-accessible vans or vehicles with special medical equipment may cost more to insure.
Location and Service Area - The location of your business, distances traveled, and other geographic factors can impact your rates.
Driving Records - Clean driving records for all drivers can lower your insurance costs. However, violations or accidents can increase those costs.
Passenger Risk Profile - Transporting patients with mobility challenges or medical conditions may require additional coverage, impacting your overall cost.
Why Choose Milepost for NEMT Coverage?
Milepost Insurance specializes in commercial auto insurance for NEMT providers, offering competitive rates and flexible payment options. We provide our customers with direct access to A++ Superior rated insurance companies* that are part of the Berkshire Hathaway group of insurance companies, and include 24/7 claims service, so you can focus on what matters most: safely transporting your passengers. Our Omaha, Nebraska based team helps each step of the way from quotes through service.
Frequently Asked Questions about Insurance for NEMT Vehicles
1. What is NEMT insurance and why do I need it?
NEMT insurance protects vehicles used to transport patients who don’t require emergency care to medical appointments. It’s essential for liability and compliance.
2. How much does NEMT insurance cost?
Costs vary based on vehicle type, location, and coverage limits. Milepost Insurance offers competitive rates and flexible plans.
3. Can I insure multiple vehicles under one policy?
Yes! We can help you attain coverage for vans, sedans, and other vehicles.
4. Do I need special coverage for wheelchair-accessible vans?
Yes, accessibility equipment often requires additional coverage. We’ll guide you through these options.
5. How fast can I get coverage?
In some cases, we can obtain coverage the same day. You can call or request a quote online to start.
6. Are your policies backed by reputable companies?
Absolutely. All policies quoted by Milepost Insurance are underwritten by insurers with A++ ratings*.
7. Where is coverage available?
We serve businesses in 30 U.S. states. Click here to see if coverage is available in your state.
8. Is monthly billing available?
Yes, we offer zero-interest payment plans for your convenience. Your quote will include the down payment and monthly costs as well as the opportunity for automatic payments or payment in full options.
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