Non-Emergency Medical Transportation Coverage

NEMT Insurance

Specialized Insurance for Medicaid & Private-Pay Medical Transport Providers

If you operate a Non-Emergency Medical Transportation (NEMT) business, your insurance needs go beyond standard commercial auto coverage.

Whether you transport Medicaid beneficiaries, wheelchair patients, or stretcher-bound individuals, your operation requires for-hire livery insurance designed for passenger medical transport.

CNS Insurance helps NEMT providers secure compliant, cost-effective coverage that protects drivers, vehicles, passengers, and your business.

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Who Needs NEMT Insurance?

Non-Emergency Medical Transportation insurance is coverage for businesses that transport individuals to and from medical appointments when there is no immediate threat to life or health.

This includes:

  • Medicaid non-emergency medical transportation
  • Wheelchair van services
  • Stretcher transport
  • Ambulatory patient transport
  • Senior and assisted living transportation
  • Contracted healthcare transport services

Because NEMT providers generate revenue from transporting passengers, coverage must be structured as for-hire livery insurance, not personal auto insurance.

Learn more about coverages
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Vehicles Covered Under NEMT Insurance

NEMT insurance applies to various vehicle types, including:

  • Wheelchair vans
  • Ambulatory passenger vans
  • Stretcher cars
  • Taxis used for medical transport
  • Small buses

Premiums vary depending on:

  • Vehicle age
  • Seating capacity
  • Vehicle modifications
  • Lift equipment
  • Travel radius
  • Urban vs. rural operation
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Non-Emergency Medical Transportation (NEMT)

What Coverage Do NEMT Carriers Need?

Insurance requirements vary by state, contract, and vehicle type, but most NEMT providers need the following:

1. Commercial Auto Liability (Required)

Covers bodily injury and property damage from vehicle accidents.

  • Under 10,001 lbs GVW: $300,000 minimum
  • Over 10,001 lbs GVW: $750,000 minimum

Many Medicaid or healthcare contracts require $1,000,000+.

2. General Liability (Often Required)

Protects against non-auto claims like:

  • Passenger injuries outside the vehicle
  • Slip-and-fall incidents
  • Property damage

Typical limit: $1,000,000 per occurrence

3. Physical Damage (Recommended)

Covers vehicle damage from:

  • Collision
  • Theft
  • Vandalism
  • Weather

Not always required, but critical to keep vehicles operational.

4. Workers’ Compensation (Required in Most States)

Covers employee injuries, medical bills, and lost wages.
Some states require coverage for all drivers, including owner-operators.

5. Umbrella / Excess Liability (Strongly Recommended)

Provides additional liability protection above base limits.
Many NEMT providers carry $1M–$5M in excess coverage due to passenger injury exposure and contract requirements.

Auto Liability

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Physical Damage

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Workers Comp

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Uninsured and Underinsured

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Business Interruption Coverage

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Cyber Liability Insurance

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Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner

Steps to get Commercial Truck Insurance

01

Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

02

Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

03

Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

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Quick Commercial NEMT Insurance Quote

Do you have an Insurance Submission Packet? (upload any relevant information about vehicles, drivers, etc.)

Other Industry Policies

CASE STUDY

Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

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DOT Problems? We've got you covered

Risk assessment

Our DOT compliance partner, Compliance Navigation Specialist, are available with trucking compliance advice and DOT Compliance Programs that keep your company on the right track by keeping your risk low and even your insurance rates even lower.

Risk mitigating services:

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Driver Training

Driver training and education is a very valuable resource to ensure a healthy fleet, and compliant safety practices. Our trainers can tailor our training to your specific operation.
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DOT Mock Audits

The CNS Specialists assist with all types of audits, including performing a Mock DOT Audit which analyzes your company and ensures you are prepared for a real audit when it happens.
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Driver File Management

Driver File Management is a service to manage your Driver Qualification Files (DQFs) and reduce your risk by establishing and keeping your driver files accurate, organized and diligent.
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DOT Compliance Programs

Our programs promote proactive safety, which means regularly maintaining the safety and compliance of your company, keeping you ahead of the FMCSA.
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Frequently Asked Questions

If your questions are not answered below, you can contact one of our Commercial Trucking Insurance Specialists and we are happy to help with anything you may need.

NEMT insurance is specialized commercial coverage for businesses that transport patients to and from medical appointments when there is no emergency. It is designed for for-hire passenger transportation operations, not personal auto use.

Any business transporting passengers for medical purposes — including Medicaid beneficiaries, wheelchair patients, or stretcher transport clients — needs NEMT insurance. Personal auto policies do not cover this type of operation.

Most NEMT providers need:

  • Commercial auto liability

  • General liability

  • Physical damage coverage

  • Workers’ compensation (in most states)

  • Umbrella or excess liability (often contractually required)

Federal minimum requirements depend on vehicle weight:

  • Under 10,001 lbs GVW: $300,000

  • Over 10,001 lbs GVW: $750,000

However, many Medicaid or healthcare contracts require $1,000,000 or more.

Yes. Medicaid transportation brokers often require higher liability limits, proof of workers’ compensation, and certificates of insurance naming additional insured parties.

Physical damage insurance covers vehicle repairs or replacement due to collision, theft, vandalism, fire, and weather-related events. It is especially important for wheelchair vans and modified transport vehicles.

In many states, yes. Some states require all drivers — even owner-operators — to carry workers’ compensation coverage. Requirements vary by state law.

NEMT insurance applies to:

  • Wheelchair vans

  • Ambulatory passenger vans

  • Stretcher vehicles

  • Medical taxis

  • Small buses used for medical transport

NEMT operations carry higher risk due to passenger injury exposure, medical vulnerability of riders, and assistance provided during loading and unloading.

Insurance carriers evaluate:

  • Driver age and driving records

  • Claims history

  • Vehicle age and seating capacity

  • Safety procedures and training

  • Operating radius

  • State regulations

Strong safety programs and documented procedures can positively impact pricing.