NEMT Insurance Guide

Quick Answer

NEMT Insurance Guide

Starting or scaling a non-emergency medical transportation (NEMT) business requires more than commercial auto insurance — you'll need to get credentialed with Medicaid brokers and build a compliant insurance program from day one. This guide walks through the process.

Getting Credentialed With Medicaid Brokers

Medicaid transportation brokers (LogistiCare/ModivCare, MTM, Access2Care) require credentialing before you can accept dispatched trips. Credentialing packets typically require proof of

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M auto liability, professional liability, general liability, workers' compensation, additional insured endorsements naming the broker, and a waiver of subrogation.

Building Your NEMT Insurance Program

A complete NEMT program includes commercial auto liability (

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M–

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.5M), professional liability (

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M) for scheduling and care errors, general liability (

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M–$2M), workers' compensation for W-2 drivers, and hired & non-owned auto if you use owner-operators or affiliate vehicles.

Avoiding Coverage Gaps When Scaling Your Fleet

As you add vehicles or expand into new counties, confirm each new unit is added to your policy before it starts trips, and that new drivers meet your broker's credentialing requirements. A vehicle or driver operating without proper endorsement can void coverage for a claim involving that unit.

Frequently Asked Questions

What insurance do I need to get credentialed with a Medicaid broker?

Most brokers require

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M auto liability, professional liability, general liability, workers' compensation for W-2 drivers, an additional insured endorsement naming the broker, and a waiver of subrogation.

How long does NEMT insurance credentialing take?

Once your policy is bound, we issue broker-compliant certificates same-day. Broker-side credentialing review typically takes the broker 1–2 weeks after they receive your certificate and required documents.

Can I add vehicles to my NEMT policy as I grow?

Yes. We add vehicles and drivers to existing NEMT fleet policies same-day, with updated certificates issued immediately so new units can start accepting broker-dispatched trips without a gap.

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