Specialized non-emergency medical transportation insurance for wheelchair vans, stretcher vehicles, and ambulette operators. Medicaid-compliant policies with broker-required endorsements.
Auto Liability Coverage
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M combined single limit depending on state Medicaid program and vehicle type. Includes endorsements for additional insured status and waiver of subrogation required by Medicaid brokers (LogistiCare, Modivcare, MTM).
Professional Liability (E&O)
Covers claims from missed appointments, late pickups, wrongful transport, or failure to accommodate a wheelchair.
Insure Limos | Commercial Transport & Luxury Livery Insurance
M limit is standard. Increasingly required by health plans and Medicaid brokers.
General Liability
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M per occurrence for injuries at your dispatch office, garage, or during loading/unloading at medical facilities. Required by most NEMT contracts and health plan agreements.
Workers' Compensation
Required for W-2 drivers in all states. NEMT operators typically have W-2 drivers due to Medicaid credentialing requirements. We write workers' comp bundled with your auto policy.
Frequently Asked Questions
How much does NEMT insurance cost?
NEMT insurance costs $3,500–$8,000 per vehicle per year for sedans and $5,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
2,000 for wheelchair vans. California is the highest at $5,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
0,000. Fleet discounts (5+ vehicles) save 10–25%.
What do Medicaid brokers require for NEMT insurance?
Medicaid brokers require additional insured endorsements, waiver of subrogation,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability, professional liability, and general liability. Each broker issues specific certificate requirements.
Can I operate NEMT in multiple states with one policy?
Yes. We write multi-state NEMT policies covering your operational territory with a single premium and renewal date. State-specific endorsements are added for each state's Medicaid requirements.
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