NEMT Insurance (Non-Emergency Medical Transportation)

Core coverages in this program

• •Commercial Auto (typically $1M CSL)
• •General Liability
• •Professional Liability
• •Sexual Abuse & Molestation
• •Workers' Compensation
• •Commercial Umbrella (typically $2M–$5M)

What NEMT insurance actually needs to cover

NEMT providers face three intersecting liability exposures: commercial auto (accidents on the road), professional liability (patient injury during transfer or lift), and abuse & molestation (broker RFPs universally require $1M limits after several high-profile cases). A standard commercial auto policy alone does not satisfy any Medicaid MCO or state broker contract.

Who this fits

NEMT insurance is the right program for:

• •Ambulette & wheelchair van providers
• •Stretcher & gurney medical transport
• •Independent transportation providers (ITPs) contracted with Modivcare / Access2Care / MTM / Verida
• •Medicaid-waiver transport providers
• •Dialysis transport specialists
• •Adult day center transportation

What NEMT insurance costs

A small NEMT operator with 2 wheelchair vans typically pays $6,000–$12,000 per vehicle per year for $1M commercial auto — significantly more than standard commercial auto because of passenger risk. GL, professional liability, and abuse coverage together add $1,500–$3,500. A 10-vehicle NEMT company usually runs $70,000–$120,000 in total premium.

The 1099 driver problem in NEMT

Many NEMT providers use 1099 drivers to reduce cost, but almost every commercial auto carrier now requires drivers to be W-2 employees on the operator's policy — or requires the 1099 driver to carry their own commercial auto with matching limits. Using an unendorsed 1099 driver is the fastest way to trigger a coverage denial after a passenger injury.