Your vehicles
Review commercial auto coverage for passenger vehicles, accessible vans, and the equipment your operation relies on.
GLG · Passenger transportation insurance
Non-Emergency Medical Transportation Insurance
Your passengers depend on safe, reliable transportation. GLG Insurance helps you explore coverage for the vehicles, drivers, and business behind every scheduled ride. Tell us about your non-emergency medical transportation operation, including passenger assistance and accessibility needs, so we can help identify appropriate next steps.
Coverage availability, eligibility, and terms vary by carrier and state. A quote request does not bind coverage.
Your operation
Discuss your routes, passenger services, driver responsibilities, and contractual insurance requirements with GLG.
Your next step
Start a NEMT-specific inquiry and connect with a GLG insurance professional about available coverage options.
What is NEMT insurance?
Non-emergency medical transportation, or NEMT, helps passengers reach scheduled medical appointments and other care-related destinations. These operations can involve passenger cars, vans, and wheelchair-accessible vehicles rather than emergency-response vehicles.
NEMT insurance is a coverage discussion built around that transportation business. GLG reviews how you operate, who drives, what vehicles you use, and the assistance you provide. A business transporting seated passengers may have different needs from one using wheelchair lifts or providing hands-on assistance.
Insurance guidance for NEMT businesses and passenger fleets
Whether you are planning your first vehicle or reviewing an established fleet, start by describing your services to GLG. Eligibility and available options depend on your actual operation, location, experience, vehicles, and underwriting information.
- Independent businesses providing scheduled medical transportation
- Passenger van and multi-vehicle NEMT operations
- Wheelchair-accessible vehicles with lifts, ramps, or securement systems
- Transportation operated by healthcare, senior-care, or community service organizations
- New ventures seeking guidance on the information needed for an insurance review
Coverage options to discuss with GLG
Your insurance program may involve several policies or coverage parts. GLG can help you review the options relevant to your business and understand where additional information or policy review is needed. The following are coverage considerations, not a list of protections automatically included with every NEMT policy.
- Commercial auto liability for covered vehicle-related bodily injury and property damage claims
- Collision and comprehensive coverage for eligible vehicle damage, with accessible modifications and equipment properly disclosed
- Uninsured or underinsured motorist coverage and applicable medical payments or personal injury protection
- Hired and non-owned auto exposures if your operation uses vehicles it does not own
- General liability for eligible business exposures outside the commercial auto policy
- Workers’ compensation for employee-related exposures and applicable requirements
- Umbrella or excess liability where available and appropriate for the underlying policies
Passenger assistance, accessibility, and service requirements
Explain how passengers enter and exit vehicles, how wheelchairs are secured, and whether drivers provide assistance beyond transportation. Describe lifts, ramps, seating capacity, vehicle modifications, training, maintenance, and written safety procedures. These details help GLG present an accurate picture of your operation.
Share any insurance provisions in your transportation or facility agreements. GLG can help review requested limits, certificates, and policy conditions against the coverage being considered. There is no single insurance limit or policy package that fits every NEMT business.
Ambulance services, emergency response, medical treatment during transport, and stretcher transportation require separate evaluation. Do not assume they are included in a NEMT quote; discuss them with GLG before relying on coverage.
What affects NEMT insurance cost?
A meaningful quote starts with your business details. Location, travel radius, vehicle count and value, accessibility equipment, driver experience, claims history, passenger services, limits, and deductibles can all influence pricing and available options.
GLG works from your operation’s information rather than a generic advertised starting rate. Providing complete vehicle and driver details, prior insurance information, and contract requirements helps make the review more useful.
Prepare for your NEMT insurance quote
Send GLG a brief description of your business and the coverage you are looking for. Our team can explain what additional information is needed for a quote review. You do not need to include passenger names, medical records, or other patient information in your inquiry.
- Business name, operating state, garaging locations, and contact details
- Services offered, operating radius, and whether you are a new or established business
- Vehicle count, years, makes, models, VINs, values, and accessibility modifications
- Driver information and relevant transportation experience
- Current insurance, renewal date, and available loss history
- Requested limits and insurance requirements from your service agreements
Work with GLG on your next step
Start with a NEMT quote request or call (747) 397-0000. A GLG insurance professional can discuss your transportation business, review the information you provide, and help you explore suitable coverage options.
Coverage availability, eligibility, pricing, and terms depend on underwriting and state. Submitting an inquiry does not bind coverage; coverage must be confirmed in writing.
Common questions
Non-Emergency Medical Transportation Insurance FAQ
What is NEMT insurance?
NEMT insurance addresses the insurance needs of businesses providing non-emergency medical transportation. GLG reviews your vehicles, drivers, services, and business exposures to help you explore appropriate coverage options.
Can I request insurance for wheelchair-accessible vans?
Yes. Tell GLG about the vans, lifts or ramps, securement systems, and passenger assistance your business provides. Eligibility and the treatment of modifications or equipment require review; they are not automatically included.
Can a new NEMT business request a quote?
Yes. GLG can review an inquiry from a new business and explain the information needed. Available options depend on your location, experience, vehicles, drivers, and planned services; approval is not guaranteed.
What information does GLG need to get started?
Begin with your contact details, operating state, vehicle count, and a description of your services. GLG may then request vehicle and driver details, insurance history, and any contractual requirements. Do not send patient medical information.
How do service contracts affect insurance needs?
Your service agreements may specify limits, documentation, or policy conditions. Share those requirements with GLG so they can be reviewed alongside your operation and proposed coverage.
Does NEMT insurance include ambulance or stretcher transportation?
Do not assume it does. Ambulance services, emergency response, medical treatment during transport, and stretcher services need separate evaluation. Describe all services to GLG before requesting or relying on coverage.
Talk through your options