Paratransit Insurance

Quick Answer

Paratransit Insurance

Commercial insurance for paratransit, ADA-compliant, and demand-response transportation operators. Coverage for Medicaid and public agency contracts.

Auto Liability Coverage

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–$5M combined single limit depending on the contracting agency. Public transit authority contracts typically require $5M. Medicaid programs require

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–

Insure Limos | Commercial Transport & Luxury Livery Insurance

.5M with additional insured endorsements.

ADA-Vehicle Coverage

Specialized coverage for wheelchair lifts, ramps, securements, and accessibility equipment. We write policies that specifically cover ADA-compliant vehicle modifications.

Professional Liability

Covers errors in scheduling, missed trips, and failure to accommodate accessibility needs. Required by many public agency paratransit contracts.

Workers' Compensation

Required for all W-2 operators and aides. Paratransit workers handle vulnerable passengers and face higher workers' comp exposure. We write coverage that reflects actual paratransit operations.

Frequently Asked Questions

What insurance do I need for a paratransit contract?

Most paratransit contracts require

Insure Limos | Commercial Transport & Luxury Livery Insurance

M–$5M auto liability, additional insured endorsements, professional liability, workers' compensation, and a current certificate of insurance on file.

Is paratransit insurance different from NEMT insurance?

They overlap significantly. Paratransit typically refers to ADA-mandated services operated for public transit agencies, while NEMT refers to Medicaid-funded medical transport. Both need commercial auto, general liability, and professional liability.

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