Non-Emergency Medical Transportation
NEMT insurance built for Tennessee & Georgia transportation providers
Commercial auto, general liability, and broker-ready certificates for non-emergency medical transportation — through one licensed local agent we match you with, never a call center. Rooted in Tennessee and Georgia; we match providers across the Southeast and beyond.
Made for how you actually operate
Most NEMT is local, ambulatory and wheelchair work — one or two vans to a growing fleet, owner-operators who are on the road themselves. Whether you're standing up your first vehicle or adding your sixth, we match you with an agent who quotes this line every week and knows what your broker's contract really requires.
The coverage your broker contract actually requires
Your provider agreement's insurance exhibit — not a phone estimate — is the final word. Nearly every one lines up around the same pieces:
- Commercial auto liability rated for for-hire passenger transport — typically a $1,000,000 combined single limit. Personal auto excludes carrying passengers for pay, so it covers nothing on a paid trip.
- General liability — commonly $1M per occurrence / $2M aggregate, for the non-driving exposure (a rider slips boarding, an injury that isn't an auto claim).
- Hired & non-owned auto — contractually required even when a one-van operator rarely 'uses' it; usually inexpensive.
- Sexual abuse & molestation (SAM) endorsement and/or professional liability — because you physically help riders in and out of vehicles and wheelchairs, this is the coverage built for that exposure.
- Workers' compensation — once you hire, under state law.
Our edge: no overbuying, and real economies of scale
New providers are the #1 target for the "$5 million" myth — a broker rep tells a brand-new operator they need a $5M auto limit. For standard local ambulatory and wheelchair NEMT that's normally categorically wrong: the contract typically requires the standard $1M limit, and excess coverage over NEMT auto is hard to place and priced far beyond a startup's margin. Broker reps schedule rides; they aren't licensed insurance agents. We make sure you're matched with an agent who gets the requirement in writing and confirms it before you spend a dollar more than the contract asks.
And adding vehicles isn't linear. General liability, SAM/professional liability, and hired & non-owned are largely once-per-policy costs — so going from one or two vans to five or six makes each vehicle meaningfully cheaper to insure. Most call centers won't walk you through that math. The agent we match you with will.
Broker-ready certificates
Whether you run through Verida (formerly Southeastrans), Tennessee Carriers, Modivcare, or a county contract, your matched agent produces certificates with the exact additional-insured wording your agreement demands — the thing brokers reject and delay activations over.
Working with two brokers usually does not mean buying insurance twice. One properly built program can satisfy both — your agent simply issues a separate certificate to each. Two certificates, not two policies.
We also insure adjacent transport
NEMT is our specialty — but we also match adjacent passenger and medical transport businesses to the right agent. If any of these is yours, start the same quote:
- Wheelchair & ambulatory van transport
- Senior & elderly transportation
- Paratransit & disability transport
- Medical transport for facilities
- Non-emergency ambulance
Learn the details first
- NEMT insurance, explained — Every coverage above, in plain English.
- What brokers actually require — Verida, Modivcare & Tennessee Carriers, decoded.
- What NEMT insurance costs — Year one, wheelchair vs. ambulatory, and scale.
Frequently asked
What insurance do NEMT providers need in Tennessee and Georgia?
Typically commercial auto liability rated for for-hire passenger transport (commonly a $1,000,000 combined single limit), general liability, and hired & non-owned auto — plus a sexual abuse & molestation (SAM) endorsement or professional liability because you assist riders, and workers' comp once you hire. Your broker agreement's insurance exhibit is the final word on limits and wording.
Do I really need $5 million in coverage?
Almost never for standard local ambulatory and wheelchair NEMT. Broker contracts typically require the standard $1M combined single limit; excess liability over NEMT auto is hard to place and extremely expensive. If someone quotes you $5M, ask to see it in writing in the contract — it usually isn't there. A licensed agent can confirm the real requirement before you overbuy.
Do you only cover Tennessee and Georgia?
No — we welcome NEMT providers from any state and match across the Southeast and beyond. Tennessee and Georgia are simply where our agent network and market knowledge run deepest, including the Verida, Tennessee Carriers, and Modivcare requirements. Tell us where you operate and we'll tell you honestly how we can help.
Can one policy satisfy both Verida and Tennessee Carriers?
Usually yes. One properly structured commercial auto and general liability program can meet both brokers' requirements — you just need a separate certificate of insurance issued to each, with that broker's required additional-insured wording. Two certificates, not two policies.
What does NEMT insurance cost to start?
Your first year is typically the most expensive you'll pay, because carriers price a new venture with no claims history at a premium — plan on several thousand dollars per vehicle for the auto policy alone, with wheelchair-equipped vans rating higher than ambulatory sedans. Costs improve with clean operating years, and each added vehicle is cheaper than your first because much of the coverage is once-per-policy.
Ready for a broker-ready NEMT quote?
Get my NEMT quote