Non Emergency Medical Transportation Insurance

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Non Emergency Medical Transportation Insurance

Available in all 50 states!

We want your business to thrive.  Bankers strives to be the foremost provider of insurance in this industry.  As an independent insurance agency, we maintain an entire stable of insurance companies and offer an exclusive NEMT insurance program.

Why wait until your policy renews?  Call 888-436-4584 today.

Due to current market conditions, any startup businesses must submit a business plan and pro-forma financial projections to transportation@bankersinsurance.netcreate new email prior to the application process.

NEMT Insurance Program


Our program is designed to handle all your insurance needs, plus provide many business tools to give you a competitive edge.

  • Small business to the largest multi-state operations.
  • Competitive industry prices.
  • Compliance with transportation manager/dispatcher insurance requirements.
  • Expertise with prompt, courteous service. Each of our non emergency medical transportation insurance clients is assigned an agent in our office and provided their email address along with a phone number that rings right on their desk.
  • Benchmarking: How do your insurance premiums stack up against those of your peers? We can advise whether your insurance company is treating you fairly, and fight for you receive due credit.
  • Loss Analytics: We analyze your claims to determine whether your loss ratios warrant credits with our insurance carriers.
  • Predictive Factor Development: We don’t just take your information and get a quote.  We know what insurance companies look for and present your business in its most attractive light.
  • Employee Handbooks specific to the transportation industry.
  • New Hire screening using MVR Acceptability Matrix
  • Workers Compensation Experience Modification Reviews: Are you overpaying for insurance? Many experience mods contain errors.
  • Many, many other tools and resources that will help your business operate efficiently, manage personnel, increase safety, avoid claims, and save money. In other words, to thrive!


  • Single policies or entire commercial packages
  • Commercial Auto
  • General Liability
  • Professional Liability
  • Abuse and Molestation Coverage
  • Workers Compensation
  • Property
  • Directors & Officers Liability
  • Group Health, Group Life, and Group Disability
  • all Others


  • A minimum of three vehicles is necessary to qualify.
  • Due to current market conditions any startup businesses must submit a business plan and pro-forma financial projections to transportation@bankersinsurance.netcreate new email prior to the application process.
  • If you accept our proposal for coverage, down payment is required by wire transfer at least 24 hours prior to binding coverage. We will assist you with wire transfer instructions. Wire transfer is only required on down payment.

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At Bankers Insurance, the client is always in control.

Protect your investment.  Save money.

Bankers Insurance offers non emergency medical transportation insurance, paratransit insurance, and ambulette insurance.  These businesses are specialized, door-to-door transportation providers for people with disabilities, are older, economically challenged, or not able to ride fixed-route public transportation. The transportation is based on pre-scheduled appointments and the paratransit service is usually compensated by medical insurance plans such as Medicare or Medicaid.

The information on this page specifically pertains to our non emergency medical transportation insurance program, but we can separately insure businesses that provide emergency or event ambulance service, limousines, shuttles, taxis or transportation of the general public.

Each state levies their own requirements for non emergency medical transportation insurance.  Further, transportation managers or dispatchers such as Logisticare, MTM, or Southeastrans require their own minimum levels of paratransit insurance.  It is common for a transportation manager to require they be added to the transportation provider’s policy as an additional insured.  This simply means that, should the NEMT provider be responsible for an accident, their policy protects the transportation manager as well.

However, do not mistake the state’s or transportation manager’s insurance requirements as thorough protection.  Protect your investment.  Explain to us all your business operations so we can help make sure you are properly covered.

Other Resources

Establishing a Driver Hiring Program
opens in a new windowDriver Program Guidelinesopens PDF file
opens in a new windowDriver Qualification File Checklistopens PDF file
opens in a new windowDriver Applicationopens PDF file

Non Emergency Medical Transportation Insurance Quote Request

Non Emergency Medical Transportation Insurance Quote Request

  • All applicants must complete this form. After submission, one of our NEMT insurance agents contact you.
  • All fields are required.  Input “N/A” for any field not applicable.

Your information is secure.

We only use it to obtain quotes and never share.

Quote, Transportation
Check all that apply

A few extra questions regarding your NEMT business before we proceed:

Number of Vehicles
Years in Business

Thank you for reaching out to Bankers Insurance! At this time we are unable to accept any clients with less than three vehicles. Thanks and good luck with your insurance search.

Congratulations on starting your new NEMT business! New venture applications require 1) completed business plan, 2) pro-forma financial projections, and 3) resumes of all principals. Upload those documents using the file upload feature at the bottom of this form and we will review and contact you. You can also email them to transportation@bankersinsurance.netcreate new email. New venture submissions without those documents will be ignored.

Please complete the rest of the application.

Business Information

If in business less than three years, state any relevant previous background experience of owners/managers.
Please note our program guidelines currently require three or more vehicles.
Check all that apply
Check all that apply

Current Business Insurance

If new in business, input "N/A" where applicable
Total number of all claims for last three years.
Total dollar amount of all claims for last three years.
Have you received quotes from other insurance companies? *
If you have received quotes from other insurance companies, list them here. This will ensure we do not waste your time approaching the same carriers.
File Upload
Maximum upload size: 10MB
Insurance Agents: We are an independent agency, do NOT broker business, and must deal directly with the client.
Terms of Use

Full Applications:

opens in a new windowTransportation Application &  opens in a new windowAuto Supplementopens PDF file  

Note: Do not complete until directed by one of our agents.

Coverages Available

Commercial Auto

non emergency medical transportation business auto insurance van on city streets

This is the most obvious need of a non emergency medical transportation business.  We suggest liability limits of at least $1,000,000 per occurrence, but many states require higher limits depending upon the seating capacity of your vehicles.  Since you are carrying passengers for a fee, Uninsured and/or Underinsured Motorists Coverage up to your full liability limits are suggested.  Most state departments of transportation will require the insurance companies to file various reports (filings) as evidence your business has satisfactory coverage in place.  Be sure to tell your agent if any of your vehicles have special equipment such as wheelchair ramps or lifts, since that makes a difference in the insured value of the vehicle.

General Liability

non emergency medical transportation general liability insurance driver helping man out of van

General Liability insurance protects the business against a broad array of risks.  We suggest a $1,000,000 limit minimum.  For non emergency medical transportation businesses, examples of general liability risks include hurting someone while helping them into or out of a vehicle, into a wheelchair, loading a wheelchair, or even simply helping them across a slick frozen sidewalk.  Abuse and molestation is typically excluded from general liability policies.  Thus, if you hire drivers, you will want to obtain at least a $100,000 sublimit.  We suggest sexual abuse and molestation insurance coverage up to full policy limits.

Workers Compensation

NEMT workers compensation insurance driver looking in rearview mirror

Workers Compensation insurance is another important consideration for non emergency medical transportation businesses.  Requirements vary by state.  This coverage protects the employee in the event of a work-related injury.  If a driver is injured while driving on business, workers compensation insurance would pay for their health care bills, portions of lost wages, plus disability.  We recently reviewed a driving-related workers compensation claim of over $2,500,000.  Additionally, workers comp protects the business from their employee suing them for work-related injury.  With few exceptions, as long as the coverage is in place, it is the only recourse for compensation available to an employee.  Be sure to obtain this coverage from a qualified, highly rated insurance company.

Umbrella Liability

NEMT Umbrella Liability Insurance row of vehicles

Umbrella Liability insurance increases the limits of your business auto, general liability, and workers compensation insurance coverages.  For example, suppose you obtain a contract with a local hospital or nursing home that requires you to maintain a $5,000,000 limit of insurance for general liability and business auto insurance.  To do that, one solution is to have $1,000,000 limits on the underlying policies (general liability and business auto), then cover them with a $4,000,000 umbrella liability policy.


NEMT property insurance dispatcher using GPS location system

Property Insurance requirements for NEMT businesses are similar to other office-type businesses.  You need to insure your building if you own it, or if required in your lease.  Business Personal Property (contents) are a consideration for furniture and fixtures.  Dispatch systems, GPS systems, and other specialized computer equipment should be addressed.  Be sure to have a plan to backup your computer records off-site and know how to restore your records in an emergency.  Business Income and Extra Expense Insurance is also a consideration to reduce the risk of lost income if your main office building suffers loss.


NEMT other insurance van side mirror

Consider including these coverages as a part of your NEMT insurance program:

  • Garage Liability
  • Employment Practices Liability (harassment, wrongful termination, discrimination, refusal to hire)
  • Employee Dishonesty
  • Group Health Insurance
  • Group Life Insurance
  • Group Disability Insurance
  • Group Long Term Care Insurance


We are often asked how much non-emergency medical transportation insurance costs.  In an attempt to answer basic pricing questions, examples are below.  However, pricing varies since each business is different.  Firm pricing depends upon your claims history, experience in the industry, driver records, geographic area serviced, and many other factors.

Examples are per vehicle, per year, for $1,000,000 liability limits.  These are beginning premiums and are adjusted upwards based upon the above factors.  For example, prices can double for poor driving records. The only way to obtain an accurate price estimate is to submit a complete application and obtain a firm quote.

  • Rural:  $3,500
  • Suburban:  $4,500
  • Urban:  $5,500
  • Large cities such as northern VA and DC, NY City, etc.:  $7,500

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We don’t expect clients to be non emergency medical transportation insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of:

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