Commercial Auto
Insures your business’s vehicles while on the job. Considering the nature of non-emergency medical transport, this is arguably the most critical coverage you’ll need.
What You Need to Know About Non-Emergency Medical Transport Insurance
Commercial Auto, General Liability, Professional Liability, Workers’ Compensation and Cyber coverage written in all 50 states. Captive insurance program options are also available.
What is NEMT insurance?
Non-emergency medical transport insurance, or NEMT insurance for short, is business insurance tailored to businesses and companies that transport patients to and from medical appointments.
Do I need NEMT insurance?
Most cities, municipalities, and private facilities you contract or partner with will require a minimum amount of coverage or proof of insurance. So, be sure to check existing and potential business contracts for specific requirements.
Aside from partner requirements, federal insurance requirements are in place because the Federal Motor Carrier Safety Administration considers non-emergency medical transport vehicles to be “for-hire” passenger carriers. Since they’re classified as for-hire, they’re subject to specific insurance requirements.
You must “obtain and file minimum levels of financial responsibility.” Said minimum levels of financial responsibility are as follows.
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$1.5 million
of coverage for vehicles that carry at most 15 passengers, including the driver
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$5 million
of coverage for vehicles that carry at least 16 passengers, including the driver
How does NEMT insurance work?
It’s important to note that you can’t insure any vehicle with NEMT insurance. Some carriers require that you have certain vehicle features in place, like safety equipment and written safety procedures. It’s also common for insurance companies to exclude certain features, such as light bars, sirens, and life support equipment, from a NEMT insurance policy.
Other factors that may affect a NEMT insurance policy include:
- Vehicle model, age, and seating capacity
- The age of drivers
What type of insurance do NEMT businesses need?
Because your operations are unique, your insurance will be as well. However, there are a few common coverages that many NEMT business owners purchase.
General Liability
Protects you and your business if a guest is injured or your business’s operations accidentally cause property damage, product damage, copyright violation, and more.
Workers Compensation
Provides coverage for medical expenses, rehabilitation costs, and lost wages for employees who are injured or become ill at work.
Commercial Property
Offers a financial safety net if disaster hits and your business’s property is damaged by fire, weather, or smoke.
Directors & Officers Liability
This coverage is designed to protect individuals in management roles if they are sued for actions or decisions they made running the business. It’s a way of providing personal financial protection for company officers and directors as individuals.
Abuse and Molestation
There’s no denying that non-emergency medical transport companies frequently work with vulnerable adults. Lawsuits alleging abuse or molestation can incur substantial costs, including defense fees, settlements, judgments, and more. This coverage helps cover these costs, protecting the financial stability of your business.
How much does NEMT insurance cost?
Unfortunately, there’s no single estimate for how much NEMT insurance costs. Premium can vary based on a lot of different factors, including:
- Your business’s location
- Travel radius
- Drivers’ driving history
- The value of the vehicle(s) and attached equipment
- Vehicle’s age and model
- Your business’s claims history
- First aid procedures
- Manager experience level
- Vehicle maintenance procedures
- The type and amount of coverage you choose
Our Process Is Simple
Protecting your fleet shouldn’t be complicated. We guide you through a clear, step-by-step process designed around your operation.
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Discovery & Fleet Assessment
We learn about your fleet, contracts, and operational structure.
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Coverage & Loss Review
We evaluate your current program and loss history.
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Market & Carrier Strategy
We analyze the market and present clear carrier options.
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Ongoing Support & Renewal Planning
We provide continued service, loss control guidance, and renewal strategy.
Why Work With Leavitt Insurance Agency
Leavitt Insurance Agency is part of Leavitt Group, one of the largest privately held insurance brokerages in the United States. This gives us access to a broad network of carriers and specialty markets. As an independent agency, we are not tied to one carrier. We evaluate multiple options to build the right structure for your fleet size, contracts and growth plans.
National products, resources, and local trust.
What does national resources mean for you? You’ll have the wisdom of our far-reaching team and the support you need, such as loss control, training, negotiating power, underwriter relationships, claims management, employee benefits compliance, on-staff ERISA attorney, online enrollment and benefits management technology.
Privately held
We work to develop lasting client relationships and make long-term decisions with you rather than seeking only short-term results.
We bring together the best of both worlds.
Leavitt Group at a glance
290+
Office locations
31
States and counting
15th
Largest Independent Property & Casualty Brokerage*
$587
Million in consolidated revenue
*According to Insurance Journal’s 2026 Top 100 Agencies report.
Meet Our Team
Ensure your success with the right insurance coverage. Contact us now to learn more and get started!
Frequently Asked Questions
Insurance for NEMT providers can be complex. Here are straightforward answers to help you understand your coverage options and obligations.
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What insurance does a non-emergency medical transportation provider need?
Most NEMT providers need:
- Commercial Auto Liability
- General Liability
- Professional Liability
- Workers’ Compensation
- Physical Damage Coverage
- Hired & Non-Owned Auto (if applicable)
Requirements may vary based on state regulations and contracts.
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What else affects the cost of an NEMT policy?
Beyond the factors above, premiums also depend on:
- Number of vehicles
- Types of transport (wheelchair, stretcher, ambulatory)
- State filing requirements
Rates vary significantly, but a properly structured program can help control long-term costs.
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Why work with a broker experienced in NEMT insurance?
NEMT is a specialized niche. Not all insurance carriers understand:
- Medicaid compliance
- Passenger assistance exposures
- Broker contract requirements
- Lift-related liability
Working with a knowledgeable advisor helps prevent coverage gaps and unexpected denials.
Contact Us
You’ve worked hard to build your NEMT business. The next step is to protect it. We’ll assess your risks and help you tailor an insurance policy.
Whether you are launching a new NEMT operation or reviewing an existing program, we welcome the opportunity to evaluate your coverage.
We’d love to chat with you. Contact us today!
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