Paratransit Insurance
NEMT Transportation Insurance | Non-Emergency Transportation
Comprehensive coverage for paratransit companies serving passengers with disabilities and special needs.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
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Overview
Running a paratransit company comes with its share of risks. You are in the business of helping people but you have to prepare for the unexpected. Your passengers are handicapped or have special needs which creates additional risks and responsibilities.
You also need to determine how much coverage is enough. There are a number of factors involved: how many drivers you have, the number of customers and the length of your routes. Our team is made up of experts in transportation insurance who can help you evaluate the special risks you face running a paratransit company so you have the right insurance, the right company and the right amount.
Lines of Business
Comprehensive protection designed specifically for paratransit operations.
Coverage Details
Liability Coverage/Limits
- Up to $5,000,000 CSL
- Higher limits available at Underwriter's discretion
- Excess coverage up to $20,000,000
Physical Damage
- Minimum $500 deductible for comp/collision
- Minimum stated value: $10,000
- Values over $250,000 must be reinsured
- Units older than 10 years require Underwriting approval
Eligible Vehicles
- Sedans and vans with seating capacity up to 14 passengers
- Units may be equipped with wheelchair ramps or lifts
- Vehicles must have proper tie-downs for wheelchairs
- Written procedures for loading/unloading passengers required
Eligible Operations
- For-Hire transportation of patients (contract or demand-response)
- Medicars & Ambulettes
- Social service organizations & medical facilities transport
- Minimum 85% revenue from NEMT operations required
Operations Requirements
Standard Requirements
- Insured must conform to all laws regarding matrons/aides on vehicles
- Patients must be belted in and strapped securely
- Contracts and/or financials may be requested for verification
- Not more than 15% revenue can come from taxi exposure
Operations Requiring In-Depth Approval
- Ambulances or emergency vehicles equipped with lights and sirens
- Risks that provide any medical, paramedical or first-aid service
- Risks that transport oxygen
Key Benefits
Specialized Coverage
Designed specifically for paratransit and NEMT operations with wheelchair accessibility
High Liability Limits
Up to $5,000,000 CSL with excess liability available up to $20,000,000
SAM Coverage
Sexual Abuse and Molestation coverage to protect against serious allegations
Patient Protection
Comprehensive coverage for vulnerable populations with special needs
D&O Liability
Directors and Officers liability coverage for business management protection
Professional Liability
Professional liability with retroactive coverage for comprehensive protection
Get a Paratransit Insurance Quote
Fill out the form below and our specialists will contact you within 24 hours with a customized quote.