InsureLimos writes NEMT insurance for non-emergency medical transportation fleet operators throughout California. California is the largest transportation insurance market in the country, with Medi-Cal covering over 14.6 million residents and dense TCP-regulated for-hire activity in Los Angeles, San Diego, San Francisco, and the Central Valley.
California NEMT Insurance Requirements
$750,000–
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,500,000 CSL minimum for CPUC TCP vehicles (1–7 seats), $5,000,000 for 16+ seat vehicles, plus
Insure Limos | Commercial Transport & Luxury Livery Insurance
,000,000 commercial auto and general liability required by most Medi-Cal managed care contracts. Regulatory oversight comes from the California Public Utilities Commission (CPUC) and Department of Health Care Services (DHCS).
California NEMT Insurance Cost
NEMT Insurance in California typically costs $5,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
6,000 per vehicle per year depending on city, vehicle type, and fleet size. Fleet discounts of 10–25% are available for 5 or more vehicles under one policy.
What You'll Need to Bind Coverage in California
CPUC TCP or PSC permit with Form PL filed same-day on bound policies
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,000,000–$5,000,000 combined single limit depending on seating capacity
General liability and workers' compensation for W-2 drivers
Additional insured and waiver of subrogation endorsements for Medi-Cal managed care contracts
Frequently Asked Questions
Do I need a CPUC permit to operate a commercial fleet in California?
Yes. Any California for-hire or medical transportation fleet needs a CPUC TCP or PSC permit, and carriers must file Form PL with the CPUC the same day a policy is bound.
How much does commercial fleet insurance cost in California?
California fleet premiums typically run $5,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
6,000 per vehicle per year depending on the city, vehicle type, and safety record. Los Angeles and the Bay Area run higher than the Central Valley.
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