If you're starting an NEMT business, getting insurance right from day one saves you headaches, broker rejections, and potentially uninsured claims that could end your business. Here's the complete startup insurance checklist.

Required Coverages

• ☐

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 commercial auto liability (CSL)
• ☐ Comprehensive and collision physical damage on all owned vehicles
• ☐ Specialized equipment endorsement for wheelchair lifts/ramps/stretchers
• ☐

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 general liability
• ☐

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 professional liability (most plans require)
• ☐ $500,000 to

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,000,000 abuse and molestation coverage
• ☐ Workers compensation (required by state law if you have employees)
• ☐ Hired and Non-Owned Auto endorsement
• ☐ Medical payments coverage
• ☐ Uninsured/underinsured motorist coverage

State-Specific Add-Ons

• ☐ California: CPUC TCP filing and meeting CPUC liability minimums
• ☐ Florida or Michigan: No-fault PIP coverage
• ☐ Texas:

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  M minimum for HHSC contracts
• ☐ Illinois: Cook County vehicle license
• ☐ Ohio: PUCO Certificate of Public Convenience and Necessity (if not exempt)

Documents Brokers Will Want

• ☐ Certificate of Insurance with broker as Additional Insured
• ☐ Endorsement showing AI status on auto, GL, and professional liability
• ☐ Waiver of Subrogation on WC
• ☐ 30-day notice of cancellation language
• ☐ Vehicle schedule with VINs
• ☐ Driver schedule with names and DOBs

Recommended Coverages (Not Always Required)

• ☐ Umbrella liability (

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  M+ for fleets of 5+)
• ☐ Cyber liability (if you handle PHI)
• ☐ Employment Practices Liability (EPLI)
• ☐ Business interruption
• ☐ Equipment breakdown on wheelchair lifts

Year 1 Insurance Budget

For a single-vehicle NEMT startup in a major metro:

• Commercial auto liability + physical damage: $4,500 to $8,500
• General liability + professional liability: $900 to $2,000
• Abuse and molestation: $500 to

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,200
• Workers compensation (1 driver):

  Insure Limos | Commercial Transport & Luxury Livery Insurance

  ,800 to $4,500
• Hired/non-owned auto: $250 to $600

Total year 1: $8,000 to

Insure Limos | Commercial Transport & Luxury Livery Insurance

6,800 for a single-vehicle NEMT startup

Get a Startup NEMT Insurance Quote

We write new venture NEMT operations nationwide. Same-day quotes available. Request a same-day quote or call 888-254-0089.