(800) 641-7488 
If you operate a non-emergency medical transportation service in Illinois, you know vehicles are a lifeline for seniors and patients who need regular medical care. Because you are transporting passengers who often have special needs, a standard commercial auto insurance policy simply isn’t enough to protect your business.
Get started on an NEMT insurance quote.
Navigating state requirements can be confusing, but it doesn’t have to be. At Insured ASAP, our experienced NEMT insurance brokers specialize in helping you keep your vehicles compliant and your passengers safe. We make it easy to secure comprehensive and affordable NEMT insurance plans that meet the exact rules set by the state and dispatch networks such as Modivcare, Medical Transportation Management (MTM) and more.
What Is NEMT and Who Uses It?
Non-emergency medical transportation, or NEMT, means scheduled trips to and from medical appointments for passengers who do not require emergency care. Passengers are often seniors, individuals with disabilities and others who need help getting to treatment.
NEMT trips are scheduled in advance rather than dispatched as emergencies, and NEMT companies use ambulatory and wheelchair-accessible vehicles rather than ambulances. NEMT also differs from taxi and rideshare work, because passengers are typically traveling for medical care under Medicaid, private pay or a transportation broker contract.
Because local rules and transportation contracts each affect what you must carry, review our Illinois NEMT insurance requirements guide before you buy coverage.
NEMT Insurance for Illinois Transportation Providers
Finding the right insurance for a non-emergency medical transportation business can be challenging. NEMT companies have different insurance needs than traditional commercial auto businesses, and not every insurance company will cover medical transportation.
Insured ASAP specializes in NEMT insurance in Illinois for new and established transportation providers. We work with businesses ranging from single-vehicle operations to growing NEMT fleets, including companies providing ambulatory and wheelchair-accessible transportation.
Our agents understand the commercial auto coverage NEMT operators need and can help determine the appropriate coverage and liability limits based on your vehicles, drivers, services, contracts, and operating area.
We can help insure:
- New NEMT business and startups
- Established NEMT companies
- Single vehicle operators
- Multi-vehicle NEMT fleets
- Wheelchair accessible vans
- Ambulatory passenger transportation
- Medicaid and private pay transportation
- NEMT Companies working with transportation brokers and networks such as MTM and Modivcare
Whether you are starting a new NEMT company, adding vehicles to an existing fleet, or shopping for a better insurance option at renewal, Insured ASAP can compare available NEMT insurance options and help you find coverage that fits your operation.
Need an Illinois NEMT insurance quote? Call Insured ASAP at (800) 641-7488 or request a quote online.
What Does NEMT Insurance Cover?
NEMT insurance is designed to protect transportation companies that carry passengers to medical appointments, treatment centers, rehabilitation facilities, pharmacies, and other destinations. Because NEMT businesses transport passengers for a fee, a standard personal auto policy will not provide the coverage needed for these operations.
The exact coverage your business needs depends on your vehicles, drivers, passenger types, contracts, and how your NEMT company operates. A typical Illinois NEMT insurance program may include:
Commercial Auto Liability
Commercial auto liability is the foundation of an NEMT insurance policy. It provides coverage when an insured vehicle is involved in an accident that causes bodily injury or property damage to others.
The liability limit your NEMT business needs can vary based on Illinois requirements, where you operate, and the requirements of transportation brokers or organizations you contract with.
Physical Damage Coverage
Physical damage coverage protects your NEMT vehicles themselves. This generally includes comprehensive and collision coverage for losses such as accidents, theft, vandalism, fire, weather damage, and other covered events.
For financed or leased vehicles, physical damage coverage is typically required by the lender or leasing company.
General Liability Insurance
General liability covers certain claims that occur outside the operation of your vehicles. For an NEMT business, this can include claims involving customers, your business premises, and other aspects of your operations that may not fall under commercial auto coverage.
Sexual Abuse and Molestation Coverage
Sexual abuse and molestation coverage can provide protection for an NEMT company against certain claims involving alleged abuse or inappropriate conduct by an employee or driver. Because NEMT providers may transport elderly passengers, individuals with disabilities, minors, and other vulnerable passengers, this coverage may be required by certain contracts or transportation networks. Coverage availability and limits vary by insurance carrier, so it is important to review whether sexual abuse and molestation coverage is included, excluded, or needs to be added separately to your NEMT insurance program.
Workers Compensation
If your NEMT company has employees, workers’ compensation may be required. It can provide coverage for employees who are injured or become ill as a result of their work.
Additional NEMT Coverage
Depending on your operation and insurance carrier, additional coverage may be available or required. This can include any auto, hired and non-owned auto, umbrella or excess liability, and other coverage designed around your particular NEMT business.
There is no single insurance package that is right for every transportation company. Insured ASAP can review your Illinois NEMT operation and help determine which coverages and limits are appropriate for your business.
How Much Does NEMT Insurance Cost?
Your premium depends on your vehicles, drivers, location, coverage limits and claims history. The insurance required by your transportation contracts can also affect the total price.
When comparing quotes, check which coverages are included. Commercial auto liability, physical damage, general liability and workers’ compensation may be quoted separately.
For a closer look at pricing, visit our NEMT insurance cost guide. For a quote based on your business, start your NEMT insurance quote.
Get Your NEMT Insurance Quote
Starting a transportation business, adding vehicles or shopping before renewal? Insured ASAP can review your operation and compare available coverage options. Have your vehicle list, driver information and transportation contract requirements ready so we can help you compare quotes.
Call (800) 641-7488 or request your NEMT insurance quote online.
