Coverage for Specialized Passenger Transportation Services
Paratransit and Non-Emergency Medical Transportation Insurance
Paratransit and Non-Emergency Medical Transportation providers serve passengers who may require additional care, accessibility, or mobility support. The Truckers Insurance helps these businesses evaluate coverage based on their vehicles, passenger needs, driver responsibilities, service agreements, and operating area.
Coverage Designed for Medical Transport
We insure NEMT and paratransit providers operating:
Wheelchair-accessible vans
Ambulettes and stretcher vans
Transit buses and minibuses
Brokered rides for Medicaid/Medicare clients
Private pay or contracted transport services
Core coverages include:
Auto Liability – high-limit options to meet state and broker contract requirements
Physical Damage – for ADA vans, lifts, ramps, and other specialty modifications
General Liability – for passenger injury and premises-related exposure
Professional Liability (E&O) – covering allegations of service delays, scheduling errors, or mishandling passengers
Passenger Accident Insurance – for bodily injury not covered under liability
Abuse & Molestation Coverage – if required by brokers or state contracts
Workers’ Compensation – class-coded for drivers and onboard care personnel
We place most coverage with A+ rated insurance carriers experienced in medical transport underwriting and state Medicaid requirements.
Compliance, Contracts & Broker Support
NEMT providers often work under complex regulatory and contract structures. The Truckers Insurance helps with:
COI customization to meet brokerage, state, and Medicaid requirements
Credentialing compliance for Logisticare, ModivCare, MTM, Access-A-Ride, and state broker contracts
Vehicle schedules, driver rosters, and safety program support
