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.
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