NEMT · Florida
Florida NEMT Insurance: Medical Transportation Fleets
A NEMT van carries vulnerable passengers. Florida NEMT insurance protects your vehicles, riders, and the business behind them. We compare multiple A-rated carriers to match your contracts.
What exactly does NEMT insurance cover for Florida fleets?
Non-Emergency Medical Transportation (NEMT) insurance covers specially equipped vehicles carrying patients to medical appointments. Beyond standard commercial auto coverage, it includes critical general liability and professional liability to cover passenger injuries that occur during boarding, transit, or off-boarding.
NEMT Company vs. Transportation Network Company
Both carry passengers for pay, but Florida treats them differently, and so do the policies.
A NEMT company
Arranges or provides non-emergency medical rides for Medicaid riders under a contract with the state or a health plan. Florida does not treat that arrangement as a transportation network company (§ 627.748(1)(e)). Your contract and your commercial auto policy set the coverage.
A transportation network company
Runs an app that matches riders with drivers, and the statute sets coverage for each phase of the trip. If that is your business, read our TNC insurance page instead. A van that serves both kinds of work needs a policy written for that mix.
Florida NEMT Insurance Requirements
No single statute sets one NEMT limit. The limit you carry comes from these places.
| Where the limit comes from | What it means for your company |
|---|---|
| The broker, health plan or agency that hires you | Your contract names the liability limit, who must be listed on the policy and how fast you must send proof. Read it before you buy. |
| Florida's transportation disadvantaged program (Fla. Admin. Code 41-2.006) | A Community Transportation Coordinator must ensure at least $200,000 per person and $300,000 per incident on the trips it buys or provides. Operators who drive for one see that figure in their contract. |
| Federal motor carrier rules (49 C.F.R. § 387.27) | They apply to for-hire motor carriers that carry passengers across state lines. Most Florida NEMT trips stay inside the state. |
| Florida's regular auto laws | Every vehicle in the fleet carries the state's required coverage. Our commercial auto insurance page lists those minimums. |
These are the sources of your limit, not legal advice or a quote. Your contract can ask for more.
What NEMT Business Insurance Covers
A NEMT policy has to protect the vans, the riders and the crews. Most Florida operators build it from these four parts. Many rides end at an assisted living facility or an adult day care center, and those centers have pages of their own: assisted living facility insurance and adult day care insurance.
Auto liability and physical damage
Injuries to riders and other people, and damage to property, when a van crashes. Physical damage repairs the van and its lift. Every contract asks for this one first.
Hired and non-owned auto
Covers claims when drivers use their own cars or you rent a van for a busy week. This is the gap that surprises small NEMT companies.
General and professional liability
Claims from the service itself, such as a rider hurt getting in or out of a van, or a missed pickup. Some contracts ask for both.
Workers compensation
Drivers who are employees are covered for work injuries. Helping riders in and out is physical work.
Have This Ready for Your NEMT Insurance Quote
- Your vehicle list with year, make, model, VIN and any wheelchair lift or ramp.
- Your driver list with license numbers, driving records and training.
- The contracts you hold or are bidding on, and the limits they name.
- Your service area and the number of trips and miles in a month.
- Loss runs from your current and prior carriers, if you have any history.
How do you choose among NEMT insurance companies?
Choose the NEMT insurance company whose policy matches your contract, not only on price. Brokers and health plans name their own limits, additional insureds and proof deadlines, and carriers accept those terms in different ways. From its Kendall office, American US Insurance reads that contract with you first. Once the contract is read, we check which non-emergency medical transportation insurance carriers will quote your vans and drivers on every line, for operators in Miami, Hialeah, Fort Lauderdale, Orlando and Tampa.
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