Your search for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Insurance (commonly referred to as NEMT or Paratransit) is over! American Business Insurance Services has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy.
There is a comprehensive list of questions that insurance companies ask to make sure they are quoting your business properly. Below is a list of common questions you should be prepared to answer in the preliminary quoting stages:
- Are the majority of your trips for passengers that are ambulatory or non-ambulatory?
- Do you contract with LogistiCare or other contract providers with strict insurance requirements?
- Do your vehicles have lifts or ramps?
- Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?
These questions are just the tip of the iceberg when it comes to transporting ambulatory or non-ambulatory passengers for a fee. But, don’t worry – it’s not your job to make sure your covered correctly, it’s ours! Sit back and let us do the work for you!
Coverage Requirements for Paratransit Companies
It’s crucial to know exactly what’s in your NEMT coverage contract. We examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.
- $1,000,000 Combined Single Limit of Auto Liability Coverage
- Hired & Non-Owned Coverage (Symbols 2, 8, 9)
- Loading & Unloading Coverage
- General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
- Sexual Abuse and Molestation Coverage (limits can vary by location)
There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have an exhaustive list of additional interests that have different insurance requirements.
Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that your coverage has been written correctly. American Logistics, SoutheastTrans and other NEMT providers have very specific requirements for coverage to protect them.
Options, Options, Options
We consistently seek out and create our own insurance programs to ensure we can offer you coverage options that no other agency has. This is crucial when renewal time comes around. While most other agencies have one or maybe two niche markets, we have valued relationships with a plethora of carriers.
We know you’re busy running your business, and the last thing you have time for is shopping for insurance every year. That’s why we do the work for you. It’s also why we make it our top priority to keep multiple carrier options available at all times. When renewal time comes, we send your application out to every available company that’s writing NEMT/Paratransit insurance policies in your area. We promise to present you with the best option, every time. With us, we do the work. You do the saving.
Benefits of Choosing ABI
Our Safety Program
American Business Insurance Services has specialized in livery coverage for a long time. Livery means that you are transporting someone for a fee. This class includes Taxicab, Limousine & Non-Emergency Medical.
Busses are another example. Out of these lines of business that we’ve written for, for so many years, NEMT appears to have the worst accidents. Business owners in this class tend to be people who truly care about others. People want to run a business that makes a difference in the lives of others. Providing the elderly a ride to the store or a doctor’s appointment are examples of NEMT businesses. However, because of the general frailty of NEMT passengers, safety programs are a must.
One of the more common claims we see with Paratransit is “backing.” For example, you might be transporting your passenger to a medical facility, then you back up to the wheelchair ramp to unload your non-ambulatory passenger. Most vans have no back window. If they do, it can be hard to see out of because there is a passenger, equipment, etc. Unfortunately, your driver might not see that there is another wheelchair patient behind the van and accidentally hit them. This is just one example of many types of claims we see for this type of insurance.
Your agent or broker should be asking you a variety of questions about your safety program. Regular safety meetings with the drivers, training, background checks, cameras, G.P.S. devices, and loading procedures are only a few of the details that should be addressed.
This is typically the first and most frequent question we get when quoting public auto or any other type of insurance policy. Depending on where you operate, we may be able to give you an indication based on the premiums of other similar risks in this area.
We have a system that allows us to research other accounts in your area that have similar coverage limits to you. We have flexible financing options and will always work with you the best we can to make your coverage as affordable as possible.
24/7 Policy Management
Lastly, we just have to toot our own horn about our agency portal. Most agencies take days or even weeks to process a vehicle or driver change on your Paratransit policy. You will love our user friendly, online customer portal.
We use a state-of-the-art agency portal that allows you to manage your NEMT business 24 hours a day, 7 days a week. Policy changes can be made online any time – day or night. Which is essential in running a business that also operates 24/7.
Typically, most changes are reviewed and processed the same day by the carrier if submitted during regular business hours. In addition to being able to process changes whenever you want, you can also print out Certificates of Insurance and Auto Identification Cards. You can also view and manage the billing of your policy at all times. We built our system with the Livery business in mind. We are very proud of how it makes our clients’ lives easier. We know you’re usually on the road, and the ability to make changes on your mobile device is priceless!
Non-Emergency Medical insurance is available in these states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York (10+ units), North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
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