Non Emergency Medical Transportation Insurance

Buying insurance for your Non Emergency Transportation (NET) company can be complicated. Fortunately, we have written non emergency medical transportation insurance for years, and can guide you through the process.

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Typically, Non Emergency Transportation companies require some combination of the coverages listed below in order to transport patients for Medicaid or for a private medical facility:

  • Auto Liability
  • General Liability
  • Worker’s Compensation
  • Professional Liability
  • Hired and Non-owned Auto Liability
  • Abuse and Molestation Liability
  • Assault and Battery Liability


Don’t get frustrated trying to do this by yourself! Creating the right Non Emergency Transportation Insurance policy takes some time and it can take a lot of work to do it correctly.

*We cannot write policies in California.
**Florida policies require 3 or more units.

Recently, I read an email from a prospective client who asked me to give them a ballpark premium for Non Emergency Transportation insurance in Georgia. I thought to myself, “The answer is, that’s a great question!”

Premiums for Non Emergency Transportation insurance vary vastly from one account to the next. I can tell you with all honesty that I have renewed two Non Emergency Transportation accounts this month: One is paying $4,000 per vehicle, the other is paying $11,000 per vehicle. They are both doing the exact same thing. The difference?

  • Operating policies and procedures
  • Hiring practices
  • Vehicle maintenance procedures
  • First Aid procedures
  • Operators driving records
  • Experience level of managers
  • Claims history

Understanding Non Emergency Medical Transportation Insurance Costs

To give you an analogy, what they were asking is somewhat like walking into a doctor’s office and saying, “How’s my overall health?” The doctor would most likely respond, “Let’s get some vital statistics and run some tests and then I’ll be able to tell you.”

In order to get pricing for any Non Emergency Medical Transportation insurance policy, I first need to get some of their company’s ‘vital statistics’. Obviously, the objective is to get them as close to the lowest end of the pricing spectrum as possible, but that depends on those factors I mentioned above.

In many states, Medicaid will only contract with one specific company, such as Logisticare or Southeast Trans in Georgia. Those companies subcontract out the Medicaid trips to the actual providers. All of these companies have different non emergency medical transportation insurance requirements in their contracts in order to drive for them.

Similarly, private pay facilities (such as nursing homes) have similar requirements. We are happy to review the contract requirements while we are quoting your Non Emergency Transportation insurance, to make sure that it gets set up right the first time.

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