Accessible in Georgia, Kentucky, North Carolina, South Carolina, Tennessee, and Virginia.
We aim to succeed in the business you desire. Bankers Insurance strives to be the leading provider. As an independent insurance agency, we offer an exclusive NEMT insurance program and work to maintain the stability of the entire insurance industry.
NEMT Insurance Program
Features
Our program is specially customized to cater to all of your insurance needs, while also providing a wide range of business assets to give you a unique edge in the market.
Offerings
Limitations
Coverages Available
Commercial Auto.
The most obvious need in a medical emergency is business transportation. Many states require higher limits depending on the seating capacity of your vehicles, but we suggest at least $1,000,000 per occurrence limits of liability. Since you are carrying passengers, we recommend full coverage for Motorists and/or Uninsured fee. Most transportation departments require insurance companies to file various reports as evidence of satisfactory coverage for your business. Make sure to inform your agent if any of your vehicles have special equipment such as wheelchair lifts or ramps, as it makes a difference in the insured value of the vehicle.
General Liability.
General Liability. insurance protects the business against a broad array of risks. We suggest a $1,000,000 limit minimum. For non emergency medical transportation businesses, examples of general liability risks include hurting someone while helping them into or out of a vehicle, into a wheelchair, loading a wheelchair, or even simply helping them across a slick frozen sidewalk. Abuse and molestation is typically excluded from general liability policies. Thus, if you hire drivers, you will want to obtain at least a $100,000 sublimit. We suggest sexual abuse and molestation insurance coverage up to full policy limits.
Workers Compensation.
Workers Compensation. insurance is another important consideration for non emergency medical transportation businesses. Requirements vary by state. This coverage protects the employee in the event of a work-related injury. If a driver is injured while driving on business, workers compensation insurance would pay for their health care bills, portions of lost wages, plus disability. We recently reviewed a driving-related workers compensation claim of over $2,500,000. Additionally, workers comp protects the business from their employee suing them for work-related injury. With few exceptions, as long as the coverage is in place, it is the only recourse for compensation available to an employee. Be sure to obtain this coverage from a qualified, highly rated insurance company.
Umbrella Liability
A possible solution is to secure a $4,000,000 umbrella liability policy that provides coverage for your business auto, general liability, and workers compensation insurance. To achieve this, you can start by setting $1,000,000 limits on your underlying policies (general liability and business auto). Additionally, you should establish a contract with a local hospital or nursing home that mandates a $5,000,000 limit of insurance for general liability and business auto insurance. By doing so, you will effectively enhance the coverage limits for your insurance policies.
Property.
Property. Insurance requirements for NEMT businesses are similar to other office-type businesses. You need to insure your building if you own it, or if required in your lease. Business Personal Property. (contents) are a consideration for furniture and fixtures. Dispatch systems, GPS systems, and other specialized computer equipment should be addressed. Be sure to have a plan to backup your computer records off-site and know how to restore your records in an emergency. Business Income and Extra Expense Insurance is also a consideration to reduce the risk of lost income if your main office building suffers loss.
Other
Please consider incorporating these protections into your NEMT insurance program.
Protect your investment. Save money.
Insurance Bankers offers non-emergency medical transportation insurance, including ambulette insurance and paratransit insurance. These businesses are specialized transportation providers for people with disabilities, who are usually compensated for the service provided, such as Medicaid or Medicare plans. The transportation is based on pre-scheduled appointments and offers door-to-door service. These businesses cater to people with disabilities who are economically challenged or older and are unable to ride public fixed-route transportation.
This page contains information pertaining to the transportation of the general public, such as taxis, shuttles, limousines, and ambulance services in case of medical emergencies or other unforeseen events. We are able to provide insurance coverage separately for businesses that offer these services.
Each state levies their own requirements for medical emergency transportation insurance. Dispatchers or managers of transportation companies, such as Southeastrans, MTM, or Logisticare, require their own minimum levels of paratransit insurance. It is common for a transportation manager to require additional coverage to be added to the policy of the insured transportation provider. This simply means that the transportation manager is responsible for any accidents that occur while the NEMT provider is carrying out their duties.
However, can we make sure that all your business operations are adequately covered? Please explain to us the insurance requirements to protect your investment, whether it is for transportation or the state, so that we can help you avoid any mistakes.
Other Resources
The Application Driver opens a new PDF file in Checklist File Qualification Driver. The Guidelines Program Driver opens a new PDF file in the window of Establishing a Driver Hiring Program.
Non Emergency Medical Transportation Insurance Quote Request
Pricing
We are often asked how much insurance, transportation, and non-emergency medical costs. However, the pricing of each business varies since it depends on your claims history, industry experience, geographic area, and other factors. Below are examples of basic pricing questions that we will attempt to answer.
Acquire a solid quotation and submit a comprehensive application to procure a precise price estimate. Costs have the potential to increase twofold for unfavorable driving records, for instance. Premiums are modified upwards based on the aforementioned factors and these serve as initial premiums. Liability limits of $1,000,000 are applicable per annum, per vehicle, as illustrative examples.
Why Bankers Insurance?
Anyone can work as a order-taker, but Bankers Insurance sets itself apart
We can provide you with insurance coverage that is tailored to your requirements. We can discuss various alternatives and assist you in making a decision. Benefit from our expertise. We understand that our clients may not have extensive knowledge about non-emergency medical transportation insurance.
We offer the benefits that you receive with us. We provide protection and coverage for any gaps that you may have. We can recommend coverage that is tailored to your specific business needs. As your insurance agent, we always strive to serve you well.
Individual Agent
Each of our clients is assigned a specific insurance agent in our office, and each agent has a backup in case they are unavailable. In addition, a phone number is provided on each agent’s desk, so that familiar person can contact them whenever needed.
Local Support
Nobody likes having to speak with a call center or sending emails if a claim arises or if they require immediate assistance. Bankers Insurance is a local company with agents who reside in the area.
Fast, Courteous Service
We provide our clients with honor and consideration.
Flexible Billing
Find a billing option that suits you?
Competitive Prices
Our insurance companies compete with each other to offer you low prices, but it is important to note that service and product quality are also crucial when considering Insurance Bankers.
Quality Insurance Products
We customize insurance coverages for your business. Our non emergency medical transportation insurance products are specifically designed to fulfill a range of requirements. With verification from AM Best, our main focus is on representing insurance carriers with an “A” rating.