NEMT insurance requirements vary by state but most require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M auto liability, professional liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), workers' compensation for W-2 drivers, and hired & non-owned auto. Medicaid brokers (LogistiCare, Modivcare) require additional insured status and waiver of subrogation in all states.
What are the NEMT insurance requirements in California?
California requires:
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M auto liability for most NEMT vehicles, professional liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), workers' compensation for W-2 drivers, and Medi-Cal credentialing for each managed care organization. Additional insured endorsements are required for all Medi-Cal transportation brokers.
What are the NEMT insurance requirements in Texas?
Texas requires:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M auto liability minimum, professional liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M), workers' compensation for W-2 drivers, and credentialing with Texas Medicaid transportation broker (MTM or LogistiCare). Additional insured and waiver of subrogation endorsements required.
What are the NEMT insurance requirements in Florida?
Florida requires:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M auto liability, professional liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), workers' compensation, and credentialing with Florida Medicaid transportation brokers. PTC (Public Transportation Commission) permits may be required in some counties.
What do Medicaid brokers require in all states?
All Medicaid transportation brokers (LogistiCare, Modivcare, MTM, Access2Care) universally require: additional insured endorsement naming the broker, waiver of subrogation,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M minimum auto liability, professional liability, general liability, workers' compensation for W-2 drivers, and 30-day cancellation notice.
Frequently Asked Questions
What are the NEMT insurance requirements by state?
Most states:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M auto liability,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M professional liability,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M general liability, workers' comp, and Medicaid broker endorsements. CA, TX, and FL are the most demanding.
What is the minimum NEMT auto liability in California?
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M CSL for most NEMT vehicles serving Medi-Cal. Some managed care organizations require higher limits.
Do all states require professional liability for NEMT?
Most Medicaid programs and brokers require it. Even where not legally mandated, professional liability is practically required to obtain dispatching agreements with Medicaid transportation brokers.
Can I operate NEMT in multiple states with one policy?
Yes. We write multi-state NEMT policies covering all states in your operational territory with one premium and renewal date, with state-specific endorsements for each Medicaid program.