Ambulance & EMS Insurance

Quick Answer

Ambulance & EMS Insurance

Commercial insurance for ambulance services, EMS operators, and emergency medical transportation providers. Coverage for volunteer and professional EMS organizations.

Auto Liability Coverage

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–$5M combined single limit for ambulance operations. Emergency vehicle endorsements for lights-and-sirens operations. State DOH and CMS requirements vary by state.

Professional Liability (Medical Malpractice)

Covers claims from patient care errors, medication errors, and clinical judgment during transport.

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–$3M limits are standard. Claims-made policies with tail coverage options.

Physical Damage

Comprehensive and collision for your ambulance fleet. Medical equipment coverage for stretchers, monitors, and onboard life-saving devices. Agreed-value available for custom-built ambulances.

Workers' Compensation

EMS workers face high injury rates including lifting injuries, infectious disease exposure, and vehicle accidents. We write workers' comp specifically structured for EMS operations.

Frequently Asked Questions

Do volunteer EMS organizations need commercial insurance?

Yes. Volunteer fire departments and EMS organizations need commercial auto liability, general liability, and often professional liability to protect volunteers and the organization from claims.

What is the minimum auto liability for an ambulance?

State requirements vary, but most states require

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–$5M combined single limit for ambulance operations. Federal Medicare/Medicaid requirements may also apply to billing-eligible providers.

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