Insure Limos | Commercial Transport & Luxury Livery Insurance
M to $5M depending on state and vehicle type), professional liability (errors & omissions), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), workers' compensation for W-2 drivers, and hired & non-owned auto coverage. Medicaid brokers and state contracts typically require additional insured status and specific limit endorsements.
What auto liability limits do NEMT operators need?
Most states require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M combined single limit for NEMT sedans and vans. Wheelchair and stretcher vehicles often require
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M or $5M depending on the state Medicaid program. California, Texas, and Florida have the strictest requirements.
Why do NEMT operators need professional liability insurance?
Professional liability (errors & omissions) covers claims related to missed appointments, late pickups, wrongful transport, or failure to accommodate a wheelchair. Medicaid brokers and health plans increasingly require this coverage. A single missed dialysis appointment can lead to a $50,000+ lawsuit.
What general liability coverage do NEMT companies need?
General liability covers injuries at your dispatch office, garage, or during loading/unloading at a medical facility. Most NEMT contracts and health plan agreements require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M per occurrence.
Do NEMT drivers need workers' compensation?
Yes, if they are W-2 employees — which most NEMT drivers are due to Medicaid credentialing requirements. Workers' comp covers on-the-job injuries including patient-handling injuries, slips at facilities, and vehicle accidents.
What do Medicaid brokers require for NEMT insurance?
LogistiCare, Modivcare, MTM, and other Medicaid brokers require: additional insured endorsements naming the broker, waiver of subrogation,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability, professional liability, general liability, and a current certificate of insurance (COI) on file before dispatching trips.
Frequently Asked Questions
What insurance is required for NEMT operators?
NEMT operators need commercial auto liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M), professional liability (E&O), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), workers' compensation for W-2 drivers, and HNOA. Medicaid brokers add additional insured and waiver of subrogation requirements.
What is the minimum auto liability for NEMT?
Most states require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M CSL minimum. Wheelchair and stretcher vehicles often require
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M–$5M. California, Texas, and Florida have the highest Medicaid-program minimums.
Do NEMT operators need professional liability insurance?
Increasingly yes. Medicaid brokers and health plans require E&O coverage with
Insure Limos | Commercial Transport & Luxury Livery Insurance
M limits. One missed dialysis appointment or scheduling error can generate a significant claim.
Can I use a personal auto policy for NEMT?
No. Personal auto insurance excludes all for-hire transportation. Any claim involving a Medicaid passenger would be denied. A commercial NEMT policy is required before accepting any Medicaid trips.