Non-Emergency Medical Transportation (NEMT)
Specialized coverage for operators providing patient transport, requiring high liability limits and professional duty-of-care protections.
Operational Risk Profile
NEMT operators face dual-threat liability. They must manage the standard over-the-road risks of a commercial fleet while simultaneously assuming the duty of care for highly vulnerable passengers. Key exposures involve injuries during wheelchair loading and unloading, equipment failure (lift malfunctions), and severe allegations of passenger abuse, neglect, or molestation.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
For-Hire Passenger Auto Liability
High-limit auto liability explicitly rated for passenger transport, satisfying state and municipal livery requirements.
Professional Liability & General Liability
Essential coverage addressing the “loading and unloading” phase of transport, including injuries resulting from slips, trips, or wheelchair securement failures.
Abuse and Molestation Liability
A critical standalone policy or endorsement to defend the business against allegations of misconduct by drivers toward vulnerable passengers.
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