Core coverages in this program
- •Commercial Auto ($1M–$5M CSL)
- •General Liability ($1M/$2M)
- •Sexual Abuse & Molestation ($1M standard)
- •Professional Liability (patient handling)
- •Workers' Compensation
- •Hired & Non-Owned Auto
- •Commercial Umbrella ($2M–$5M)
California NEMT insurance requirements
California NEMT operators are regulated by the CPUC as charter-party carriers (TCP permit) and, for Medi-Cal transportation, by DHCS-contracted brokers (Modivcare, MTM, Access2Care). Commercial auto CSL scales by vehicle seating up to $5M, and workers' comp is mandatory day one via WCIRB for every driver — no 1099 exemption for livery.
- •CPUC TCP permit — Class A/B/C/P depending on operation
- •$750K CSL for ≤7 passengers, $1.5M for 8–15, $5M for larger vehicles
- •$1M abuse & molestation required by every California Medicaid broker
- •Workers' comp mandatory — WCIRB class code 7382 for NEMT drivers
- •Drug & alcohol testing program required for Medi-Cal contracts
Texas NEMT insurance requirements
Texas operators register with TxDMV for intrastate motor carrier authority and with FMCSA for any interstate work. HHSC MTP (Medical Transportation Program) contracts and MCO subcontracts through MTM and Access2Care set the practical insurance floor. Texas is a workers' comp non-subscriber state, but nearly every broker requires coverage anyway.
- •TxDMV Motor Carrier Registration + DOT number
- •$500K CSL minimum for standard vehicles; $1M–$1.5M common on broker contracts
- •$1M GL + $1M abuse & molestation required by MTM and Access2Care
- •Workers' comp not legally required but effectively contract-required
- •Driver 19A physicals and MVR checks enforced by HHSC MTP
Florida NEMT insurance requirements
Florida Medicaid transportation runs through AHCA-contracted MCOs and their broker networks. Several counties (Broward, Miami-Dade, Palm Beach) additionally require a Certificate of Public Convenience & Necessity. $1M CSL is the practical floor on every Medicaid MCO contract we bind.
- •County CPCN in Broward, Miami-Dade, Palm Beach and others
- •$1M CSL commercial auto floor across AHCA MCO contracts
- •$1M abuse & molestation contract-mandatory
- •Professional liability required for stretcher and gurney runs
- •Workers' comp mandatory at 4+ employees (1+ for construction-related)
New York NEMT insurance requirements
New York DOH runs Medicaid transportation through regional managers (Medical Answering Services, LogistiCare/Modivcare). Ambulette operators are separately licensed and carry the highest auto floors we see in the country.
- •DOH ambulette registration for wheelchair vans
- •$1.5M CSL common on ambulette contracts; $2M on several MCO programs
- •Workers' comp mandatory day one — no owner exemption for corporations
- •$1M abuse & molestation, primary & non-contributory AI standard
- •Driver 19-A DMV medical certification required
Arizona NEMT insurance requirements
Arizona AHCCCS (Medicaid) transportation runs through contracted brokers, and ADOT regulates commercial passenger vehicles. $1M CSL is the working floor for AHCCCS-contracted providers.
- •ADOT commercial vehicle registration for passenger transport
- •$1M CSL floor for AHCCCS-contracted providers
- •$1M abuse & molestation required by Modivcare and MTM
- •Driver background checks + drug testing enforced
- •Workers' comp mandatory for all employees
Nevada NEMT insurance requirements
Nevada requires a Nevada Transportation Authority (NTA) permit for passenger transport, and industrial insurance (workers' comp) placed through NCCI-approved carriers. Medicaid transportation runs through the state's broker.
- •NTA Certificate of Public Convenience & Necessity
- •$1M CSL floor for Nevada Medicaid transportation
- •$1M abuse & molestation contract-mandatory
- •Industrial insurance (work comp) via NCCI-approved carriers
- •Vehicle inspections annually through NTA
New Jersey, Illinois & other high-limit states
A handful of Medicaid transportation programs push auto limits well above the national floor. These are the states most likely to disqualify a program that only carries $1M CSL:
- •New Jersey — $1.5M CSL common on LogistiCare/Modivcare NJ Medicaid
- •Illinois — HFS Medicaid transportation commonly requires $1.5M–$2M CSL
- •Massachusetts — MassHealth PT-1 program requires $1.5M CSL on many routes
- •Washington — HCA-contracted brokers push $1.5M CSL on stretcher work
Broker overlays that trump the state floor
Even in states with lower statutory minimums, the actual insurance floor is set by the Medicaid broker's Independent Transportation Provider agreement. If Modivcare, MTM, Access2Care, or Verida requires a higher limit than the state, the broker limit wins.
- •Modivcare — $1M CSL / $1M GL / $1M abuse (higher in NY, NJ, IL)
- •MTM — $1M CSL / $1M GL / $1M abuse / workers' comp per state law
- •Access2Care — $1M–$1.5M CSL by state, $1M GL, $1M abuse
- •Verida — $1M CSL floor (up to $2M in select states), professional liability for stretcher
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