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Our Services

NEMT Auto Insurance

Expertise Since 1981: With over four decades of experience, PIC has developed a deep understanding of the NEMT sector, enabling us to provide policies that are not only comprehensive but also affordable.

PIC’s Custom NEMT Auto Insurance Policies for All Needs: We understand that each transportation service is unique. That’s why we offer customized insurance solutions that cover both non-ambulatory and ambulatory transportation sectors. Whether you operate wheelchair vans, mobility vehicles, or provide ambulatory aid, PIC has the insurance and liability coverage options to protect your business, drivers and fleet.

Dedicated Customer Support: Our team of experts is always ready to assist you with any questions or claims, ensuring that your business is supported every step of the way. Our team is ready to provide a FREE NEMT TRANSPORTATION AUTO INSURANCE QUOTE TODAY!

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Non-Emergency Medical Transportation Liability Insurance

Non-Emergency Medical Transportation is traditionally not covered under standard auto policies. Here at the Professional Insurance Center, NEMT transportation insurance is one of our specialties. NEMT insurance coverage is a unique type of protection for medical transportation providers, and PIC is ready to help you customize your coverage to protect your business.

Our expert NEMT Transportation Insurance Team will get multiple quotes from top-rated insurance companies to give you the best options to choose from. Allow us to protect you, so you can serve others with complete peace of mind and comfort.

Streamlined Claims Process We believe in making the claims process as straightforward and hassle-free as possible. Our dedicated claims team is skilled in handling claims efficiently, ensuring a quick resolution so that you can focus on running your business without worry.

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NEMT General Liability Insurance

Non-Emergency Medical Transportation (NEMT) General Liability insurance is essential for businesses that provide transportation services for individuals who need medical care but do not require emergency medical transport. This type of coverage protects NEMT companies from a range of risks, including bodily injury, property damage, or personal injury claims that could arise during the course of providing transportation services.

For example, if a passenger is injured while entering or exiting a vehicle, or if there’s damage to a passenger's property during the trip, NEMT General Liability insurance helps cover the legal costs, medical expenses, and any settlement fees related to these incidents. This coverage also extends to damage caused by the business's operations, even if the incident occurs outside the vehicle, such as accidents during loading or unloading.

In addition to protecting against physical injuries or property damage, PIC’s NEMT General Liability insurance can also cover the costs of defending against claims of negligence or other liability-related allegations. This is crucial because NEMT providers often face scrutiny due to the vulnerability of their passengers, who may have medical conditions or mobility challenges.

A strong general liability policy ensures that NEMT businesses are financially prepared to manage the legal and financial consequences of accidents or other unforeseen events. As a result, this coverage helps maintain the reputation and financial stability of the business, allowing it to continue providing important transportation services to those who rely on them for medical appointments and other essential activities.

If you are looking for a dedicated NEMT insurance company that will help you get the customized coverage you’re looking for, then turn to the Professional Insurance Center today and start your FREE NEMT INSURANCE QUOTE.

Protecting NEMT Operators for over 45 Years!

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Comprhensive NEMT Fleet Insurance

NEMT (Non-Emergency Medical Transportation) Fleet Insurance is a specialized coverage designed to protect the vehicles used by transportation providers in the course of their operations.

PIC’s NEMT Fleet Insurance Service coverage typically includes a variety of protections, such as liability for accidents, property damage, and bodily injuries that occur while transporting passengers. PIC’s Fleet insurance can also cover your vehicles against damages caused by collisions, theft, vandalism, or natural disasters. In addition, it often includes coverage for medical expenses if the driver or passengers are injured in an accident.

Since NEMT providers operate multiple vehicles to serve their clients, fleet insurance coverage allows today’s businesses to manage the risks associated with their entire fleet under one policy, streamlining administrative efforts and often offering cost savings compared to individual vehicle policies. With the added complexity of transporting passengers with medical needs, this coverage is crucial for ensuring the safety of both the drivers and their passengers while minimizing financial liability for the company.

Call us today to discuss your specialized NEMT Transportation Fleet Insurance needs. We are experts, ready to help you meet your specific business requirements.

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NEMT Worker's Compensation Insurance

NEMT Workers' Compensation Insurance is essential for protecting the employees of transportation companies who may face workplace injuries or illnesses while on the job.

This coverage provides financial support to drivers, dispatchers, and other staff by covering medical expenses, lost wages, and rehabilitation costs if they are injured while performing their duties, such as lifting passengers, driving, or handling equipment. For example, if a driver slips and falls while assisting a passenger or if they get into a minor accident while on the job, workers' compensation ensures that they receive the necessary medical treatment and compensation for time off work.

This coverage also helps protect the company from lawsuits related to employee injuries, as it typically covers both medical and legal expenses, offering peace of mind to both the employer and the workers. Having workers' compensation in place not only supports employee welfare but also promotes a safer and more responsible work environment, which is crucial in the highly regulated and safety-sensitive NEMT industry.

Start your PIC NEMT WORKERS COMP INSURANCE QUOTE.

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Customized NEMT Transportation Insurance Review

With a customized insurance policy, you get the flexibility to choose coverage options that are specifically suited to your business's needs. This ensures that you are fully protected against the range of risks associated with NEMT services, from accidents and vehicle damage to employee injuries and passenger-related claims. Let's take a look at the different types of coverage available to NEMT providers:

1. NEMT General Liability Insurance

General Liability Insurance is a fundamental component of any NEMT policy. It covers a variety of incidents, such as bodily injuries to passengers while entering or exiting the vehicle, or property damage during the transportation process. For example, if a passenger sustains an injury while in transit or if a medical device is damaged during transport, this coverage will help cover medical bills, legal fees, and settlements, protecting your business from costly lawsuits.

2. NEMT Vehicle Coverage

Your fleet of vehicles is the backbone of your NEMT business. Customized vehicle coverage protects your fleet from damage due to accidents, theft, vandalism, or natural disasters. This coverage can extend to repairs and replacement costs, ensuring that your vehicles remain on the road, minimizing downtime and maintaining service continuity. Additionally, specialized coverage can be added for equipment such as lifts, ramps, or wheelchairs, which are often used to accommodate passengers with special medical needs.

3. NEMT Workers’ Compensation Insurance

Your employees—whether drivers, dispatchers, or support staff—are the heart of your business. Workers' Compensation Insurance offers critical protection for your workforce by covering medical expenses and lost wages in case of work-related injuries. Whether it's an employee injured while helping a passenger or a driver hurt in a minor accident, this coverage ensures that your staff is cared for, and it protects your business from potential lawsuits related to workplace injuries.

4. NEMT Fleet Insurance

Managing a fleet of vehicles can be complex, but fleet insurance makes it easier by bundling coverage for all your vehicles under one policy. Fleet insurance offers convenient protection for multiple vehicles, often at a discounted rate, making it more affordable than insuring each vehicle individually. This comprehensive coverage typically includes liability, collision, and comprehensive protection, and can be customized to include the specific needs of your NEMT fleet.

5. NEMT Non-Owned Vehicle Insurance

If your business relies on third-party or non-owned vehicles to transport passengers, Non-Owned Vehicle Insurance can provide coverage for those vehicles. Whether employees are using their personal cars or renting vehicles for trips, this coverage helps protect your business from liability if an accident occurs while they are on the job.

6. NEMT Passenger Accident Coverage

NEMT services often involve transporting vulnerable passengers, so having additional passenger accident coverage is crucial. This protection helps cover medical expenses if a passenger is injured during transport, whether it's from an accident or while loading and unloading. It ensures that passengers receive the care they need, while shielding your business from the financial implications of such incidents.

7. NEMT Cyber Liability Insurance

In today’s digital age, protecting sensitive patient information is more important than ever. If your NEMT business manages patient records or other private data, Cyber Liability Insurance helps protect you against data breaches, cyberattacks, and online fraud. This coverage ensures that you remain compliant with privacy laws and protects your reputation in the event of a security incident.