Non-Emergency Medical Transport (NEMT) Insurance Coverage Checklist
The coverages a non-emergency medical transport (nemt) business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for NEMT providers. Priorities reflect typical exposure; confirm against service levels and broker contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto Liability | Covers crashes and passenger injuries in vehicles — confirm limits meet every broker and MCO contract. | Core | |
| General Liability (incl. Loading & Unloading) | Covers injuries during door-through-door assistance and loading — check it isn't left to the auto policy alone. | Core | |
| Professional Liability | Covers claims about care and assistance given to passengers. | Prevalent | |
| Abuse & Molestation | Covers misconduct allegations involving vulnerable passengers — often excluded. | Core | |
| Cyber Liability | Covers patient health information. | Prevalent | |
| Workers' Compensation | Required in most states; lifting and transfers drive injuries. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is who covers injuries during loading and securement — the auto policy, the GL policy, or neither. Wheelchair tipovers are NEMT's recurring fatal claim, and suits name the driver, the provider, and the broker. Four-point tie-downs, a separate occupant belt, matched equipment, and schedules with time to secure passengers are the core controls. Broker contracts also set insurance requirements that should be checked against every policy.
Send us the checklist and we'll review your non-emergency medical transport (nemt) coverage line by line, then market it across multiple carriers that compete for your account.
Related: Non-Emergency Medical Transport (NEMT) Insurance · Non-Emergency Medical Transport (NEMT) Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a non-emergency medical transport (nemt) business need?
The core coverages for a non-emergency medical transport (nemt) business are Commercial Auto Liability, General Liability (incl. Loading & Unloading), Abuse & Molestation, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my non-emergency medical transport (nemt) coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.