Insurance for NEMT operators, from an agency that knows your business
NEMT, or non-emergency medical transportation, helps people reach their appointments safely and on time. We write coverage for your vehicles, drivers, riders, and operations, whether you are just starting out or have been on the road for years.
- NEMT startups are welcome, not turned away
- Coverage for vehicles, drivers, riders, and operations
- Rajan and Lacey handle your account directly
What NEMT insurance covers
Here is what each coverage means in plain words.
Commercial auto
Covers your NEMT vehicles and the claims that come from an accident on the road.
General liability
Covers injury or damage that has nothing to do with driving, like someone who trips at your office.
Professional liability
Also called errors and omissions. Covers claims that a mistake or negligence in your service caused harm.
Workers' compensation
Covers your employees if they are hurt on the job.
Passenger accident
Covers your riders if they are hurt while they are in your vehicle.
Abuse and molestation
Optional coverage for claims of abuse or molestation. Ask us whether it fits your operation.
Umbrella and excess
Adds liability limits on top of your other policies for a larger claim.
These are plain-language summaries, not policy wording. What is covered depends on the carrier and your policy.
Coverage as dependable as your service
Your riders count on you to show up and to treat them with respect. Your coverage should be just as dependable. We are an independent agency, so we are not tied to a single carrier.
- Help understanding what your state or contract asks for
- Lacey handles your account directly
- Add or remove vehicles and drivers as you grow
What our clients say
Our clients share their experience with us on Google. Read what they say about working with Nominal Insurance.Read our Google reviews
Request an NEMT quote
Tell us about your operation and we will take it from there. Prefer to talk? Call or text us.
Call or text (816) 569-6611Quotes are subject to underwriting. Submitting a form or message does not bind coverage.
NEMT questions
Straight answers in plain words.
What does NEMT insurance cover?
Most NEMT operators look at commercial auto, general liability, professional liability, workers' compensation, and passenger accident coverage. Some add umbrella coverage and abuse and molestation coverage. We help you sort out what fits your operation.
I am starting an NEMT business. Will you work with me?
Yes. NEMT startups are a core part of our work, not something we turn away. Call or text us before you buy your vehicles, and we will walk through what you need to line up.
Will you help me meet my state or broker requirements?
We help you understand what your state or contract asks for and line up coverage to meet it. We are not affiliated with Medicaid, state NEMT brokers, or any agency, so check your contract and bring us the insurance section.
What is passenger accident coverage?
It covers your riders if they are hurt while they are in your vehicle.
What is professional liability for an NEMT business?
Professional liability, also called errors and omissions, covers claims that a mistake or negligence in your service caused harm. Your contract may ask you to carry it, so ask us how it fits.
What is abuse and molestation coverage, and do I need it?
It is optional coverage for claims of abuse or molestation. Whether you need it depends on who you transport and what your contract asks for, and we can talk it through with you.
What is umbrella coverage?
Umbrella, or excess, liability adds limits on top of your other liability policies, so a larger claim does not fall on your business alone.
Do I need workers' compensation for my drivers?
Workers' compensation covers employees who are hurt on the job. Whether you must carry it depends on your state and on how your drivers work for you, so ask us what applies.
Can I add vehicles and drivers as I grow?
Yes. Adding or removing vehicles and drivers is part of our service center, and you can always call or text us.