Paratransit Insurance

Paratransit Insurance

Running a paratransit company in California comes with it's share of risks.  You are in the business of helping people but you have to prepare for the unexpected.  Your passengers are handicaped or have special needs which creates additional risks and responsibilities.  You also need to determine how much coverage is enough.  There are a number of factors involved: how many drives you have, the number of customers and the length of your routes.

 

Lines Of Business

  • General Liability
  • Auto Liability (commercial)
  • Including One Way Coverage for Accidents
  • Worker’s Compensation
  • Property Damage
  • Director and Officers Liability
  • Crime
 

 Automobile Liability, Physical Damage, and General Liability

 

Liability Coverage/Limits

 

 Up to $1,000,000 CSL.
 Higher limits are available at the Underwriter's discretion.

 

Physical Damage

 

 Minimum $500 deductible for comp/collision.
 Minimum stated value: $10,000
 Stated values greater than $250,000 must be reinsured.
 Terminal exposures greater than $1,000,000 in total values will be reinsured.
 Units older than 10 years requires Underwriting approval. A current mechanic's statement and photograph may be required at your Underwriter's discretion.

 

Vehicles

 

 Sedans and vans with seating capacity up to 14 passengers.
 Units may be equipped with wheelchair ramps or lifts.
 Vehicles must have proper tie-downs for wheelchairs while in transport.
 Vehicles must display written procedures for loading and unloading passengers in wheelchairs.
 Surcharges may apply for vehicles with wheelchair access.

 

Eligible Operations

 

 For-Hire transportation of patients on a contract or demand-response basis
 Medicars & Ambulettes
 Vehicles owned and operated by social service organizations, or medical facilities, used to transport their clients/patients.
 Eligibility for rating under this classification requires a minimum 85% revenue from these types of operations. Not more than 15% can come from a taxi exposure. Contracts and/or financials may be requested for verification.
 Insured must conform to all laws regarding having matrons/aides on vehicles.
 Patients must be belted in and strapped securely.

 

 

  • General Liability
  • Auto Liability (commercial)
  • Including One Way Coverage for Accidents
  • Worker’s Compensation
  • Property Damage
  • Director and Officers Liability
  • Crime

 

 

Ineligible Operations

 

 Ambulances or emergency vehicles equipped with lights and sirens.
 Risks that provide any medical, paramedical or first-aid service.
 Risks that transport oxygen.

 

 

 

 

Our team is made up of experts in transportation insurance.  We can help you evaluate the special risks you face running a paratransit company so you have the right insurance, the right company and the right amount. 

 

Give us a call today 888-254-0089  or use our secure form for a free quote.