NEMT Commercial Auto Insurance

Protect Your NEMT Business with Comprehensive Commercial Auto Liability Insurance

What Is Commercial Auto Insurance for NEMT Businesses?

Commercial auto insurance — also known as business auto insurance — provides coverage for vehicles used in business operations. For NEMT businesses, this insurance covers patient transport risks, including vehicle damage, accidents, and liability for injuries or property damage.

Coverage Options for NEMT Businesses

Our NEMT commercial auto insurance includes a range of coverage options to protect every aspect of your business:

Liability Coverage
Covers bodily injury and property damage caused by your drivers while operating your business vehicles.
Physical Damage Coverage
Protects vehicle damage caused by accidents, theft, vandalism, or other covered perils.
Uninsured/Underinsured Motorist Coverage
Protects your business if your vehicle is involved in an accident with an uninsured or underinsured driver.
Medical Payments Coverage
Covers medical expenses for passengers injured while in your vehicle.
Hired and Non-Owned Auto Insurance
Provides coverage for vehicles your business doesn’t own but uses for business purposes, such as rentals or employee-owned cars.

Why Your NEMT Business Needs Commercial Auto Insurance

If your business involves transporting passengers, you face specific risks on the road. NEMT commercial auto insurance ensures that:
- Your vehicles and drivers are protected from financial loss due to accidents, theft, or damage.
- You meet the legal requirements for operating commercial vehicles in your state.
- You safeguard your business from lawsuits resulting from accidents or injuries involving your vehicles.

Let Us Help You Find the Right Coverage

Key Benefits of Commercial Auto Insurance for NEMT:

Customizable Coverage: You can tailor your auto liability limits to fit your business needs, whether you operate a single vehicle or an entire fleet.
Peace of Mind: Knowing that you are fully covered in case of accidents helps you focus on providing care and transportation for your passengers.
Compliance: Meet state and contractual insurance requirements, ensuring your business operates legally and without interruptions.

Start Protecting Your Business Today

What Does Commercial Auto Insurance Cover?

Bodily Injury Liability

Covers medical expenses, lost wages, and legal defense if your NEMT vehicle causes injury to passengers or other individuals.

Property Damage Liability

Provides coverage for repairs or replacement costs if your NEMT vehicle damages another vehicle or property.

Legal Fees

Covers the cost of legal defense if you're sued due to an accident involving your NEMT vehicle.

Why Choose Us?

Benefit 1

Affordable premiums for every type of NEMT vehicle.

Benefit 2

Coverage for wheelchair vans, ambulatory vehicles, and more.

Benefit 3

Quick claims process and expert customer support.

Factors Affecting Your Commercial Auto Insurance Cost

Several factors can influence the cost of your auto liability insurance premium

Fleet Size: Larger fleets typically require more comprehensive coverage, which can increase costs.
Vehicle Types: The types and ages of vehicles in your fleet can affect the cost of your premiums.
Driving History: A clean driving record can help reduce premiums, while a history of accidents may raise rates.
Coverage Limits: Higher coverage limits provide more protection but will also increase the cost of your policy.
Location: Your business’s location and the distance your vehicles travel can impact insurance rates.

How to Get the Right Commercial Auto Liability Insurance for Your NEMT Business

Getting the right commercial auto insurance starts with understanding your business’s needs. Our experienced team will help you:

We know how much your NEMT business means to you, and we want to help you protect what you’ve built. With the right insurance, you’ll be able to confidently grow, knowing that you’re safeguarded against anything life throws at you.

Frequently Asked Questions About NEMT Commercial Auto Liability Insurance

1. What is the minimum auto liability coverage required for NEMT businesses?

Most states and contracts require a minimum of $1,000,000 in combined single limit (CSL) coverage for bodily injury and property damage. This ensures that your business meets legal requirements and protects against significant financial risks in the event of an accident.

2. Can I get auto liability coverage for older vehicles?

Yes, commercial auto liability insurance is available for older vehicles. However, some insurance carriers may have specific requirements or limitations based on the vehicle’s age, mileage, and condition. It’s important to discuss your fleet with your insurance provider to ensure comprehensive coverage.

3. What happens if one of my drivers causes an accident?

If one of your drivers is at fault in an accident, your NEMT commercial auto liability insurance will cover the costs of bodily injuries and property damage sustained by the other party, up to the policy limits. This ensures that your business is protected from potentially devastating financial losses due to accidents caused by your drivers.

4. Is auto liability insurance the same as physical damage insurance?

No, these are two distinct types of coverage. Auto liability insurance covers the costs associated with injuries and property damage you cause to others in an accident. Physical damage insurance, on the other hand, covers repairs to your own vehicles if they are damaged in an accident, stolen, or vandalized. Both are essential components of a well-rounded NEMT business auto insurance plan.

5. Can I add or remove vehicles from my commercial auto policy as my business grows?

Yes, business auto insurance policies are flexible. As your NEMT fleet grows or changes, you can add or remove vehicles from your policy to ensure your entire fleet is always protected. It’s important to review your coverage regularly to ensure it meets your business’s evolving needs.

6. Is uninsured/underinsured motorist coverage included in commercial auto insurance?

Uninsured/underinsured motorist coverage is typically available as an additional option in commercial auto insurance policies. This coverage protects your business if your NEMT vehicle is involved in an accident with a driver who doesn’t have sufficient insurance to cover your losses.

7. What is hired and non-owned auto liability insurance, and do I need it for my NEMT business?

Hired and non-owned auto liability insurance provides coverage for vehicles your business doesn’t own but uses for business purposes—such as employee-owned cars or rental vehicles. If your NEMT drivers occasionally use personal or rented vehicles for business operations, this coverage is essential to protect against liability in the event of an accident.

Get a Free Quote for NEMT Commercial Auto Insurance

Protect your NEMT business today with comprehensive commercial auto liability insurance. Get a tailored quote to meet your specific needs and ensure that your business is fully protected on the road.

Call us today or Get a Free Quote online to learn more.