Operating a Non-Emergency Medical Transportation (NEMT) or Paratransit business is about more than just driving; it’s about a commitment to your community. At MD Financial Solutions, we provide the specialized coverage required to meet strict state regulations and broker contracts, so you can focus on the road ahead.
Generic commercial auto policies often leave NEMT owners exposed. We fill the gaps that others miss.
- Broker Compliance Experts: We understand the specific insurance requirements for major brokers like ModivCare, MTM, and Veyo. We ensure your limits and language are exactly what they demand.
- Fast COIs: In this business, if you don't have a Certificate of Insurance, your vehicles do not move. We prioritize COI requests to keep your fleet in rotation.
- Niche Risk Knowledge: From wheelchair lift failures to door-to-door liability, we know where the risks live.
Commercial Auto Liability
The backbone of your policy. We provide high-limit liability coverage that protects your business from the high costs of transit accidents.
General Liability & Professional Liability
Standard auto insurance does not cover what happens outside your vehicles. We include protection for "Loading and Unloading" and professional errors to cover your drivers from the moment they meet the patient.
Abuse & Molestation Coverage
A critical and often overlooked requirement for many NEMT contracts. We secure this specialized coverage to protect your company’s reputation and future.
Workers’ Compensation
Your drivers are your greatest asset. We help you find competitive rates for Workers' Comp tailored specifically to the transportation industry.
Inland Marine (Equipment Coverage)
Protect the expensive specialized equipment inside your vans—from gurneys and heart monitors to high-end wheelchair lift systems.
To reduce claim expenses and improve overall safety, NEMT operators should implement several key measures and policies — and actively enforce them.
- Proper Tie-Down Procedures
- Passenger Safety Protocols
- Driver Training
- Cameras
Recommended Certificates:
- Defensive Driving
- CPR
- First Aid
- Passenger Assistance
- Non-Medical Emergency Training
- Emergency Vehicle Evacuation
- Proper Wheelchair/Stretcher Securement Procedures
Not sure if your current policy meets your new contract requirements? Send us your broker contract or your current "Dec Page." We provide a Free 24-Hour Risk Audit to identify:
- Coverage Gaps that could lead to a denied claim.
- Overpayments on vehicles that are currently out of service.
- Compliance Errors that could get you kicked off a broker’s network.
Send an email to service@mdfinancialsolutionsco.com to request your FREE NEMT Risk Audit.
- "How fast can I get a Certificate of Insurance (COI)?" We know timing is everything. Our goal is to turn around COI requests within the same business day.
- "Do you cover fleets with 'Stretcher' services?" Yes. We have access to carriers that specifically allow for Ambulette and Stretcher transport, which many standard carriers exclude.
- "Can you help me if I have a high loss-run history?" We work with a variety of specialized markets. Even if you've had claims in the past, we can help implement safety programs to make your business more "insurable" and lower your premiums over time.