Non-Emergency Medical Transportation
Workers' Compensation
We've developed affordable insurance programs for non-emergent medical transporters.
Get Better QuotesPrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
Workers' Comp Coverage for Non-Emergency Medical Transportation Providers
We've been helping professional transportation businesses find easy and affordable coverage for over 15 years. Our Experts understand all the non emergency medical transportation insurance requirements from the insurance companies and the companies that contract with NEMT providers. That's why we've developed programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing Non-Emergency Medical Transportation coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Paratransit Insurance Companies
Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States
Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for paratransit and NEMT providers.
Cimarron is a fast growing insurance company providing Pay As You Go coverage for non-emergency medical transportation.
Benchmark ia a fast growing carrier expanding in most states. Emergency medical transportation and NEMT insurance solutions.
Normandy has some of the lowest filed rates for many related class codes. They are open in numerous states.
ICW Group offers great coverage for all types of business non-emergency medical transportation. They have outstanding rates.
UBIC offers excellent rates as well as loss control resources for non-medical transportation services.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the non-medical transport trade.
Shop coverage like a Pro.
Workers' Compensation Class Codes Related to Non-Emergency Medical Transportation
Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.
Class Code 7382 | Non-Emergency Medical Transportation
Businesses primarily engaged in providing special needs transportation to the infirm, elderly or handicapped. Many of these companies will use specially equipped vehicles tp provide transportation. Transportation is typically to and from appointments related to medical needs. Rides to and from work would not be contemplated under NEMT insurance. Medicare and specialized local and state programs often help fund the cost of non emergency transportation.
Bus companies generally utilize the same class code- 7382, but underwriting requirements vary considerably. Ambulance services are typically rated in a separate class code (7370) regardless of whether or not they are operated by a hospital or private ambulatory service. Garage and mechanic operations may be separated classified under class code 8385.
Alternative State Class Codes for Non-Emergency Medical Transportation:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
| Class Code | State |
|---|---|
| 7384 | Bus Company | New Jersey |
| 828 | Non Medical Transport | Delaware / Pennsylvania |
| 8394 | Ambulance Operations | New York |
Synonyms: non-emergency transportation, paratransit, non-emergent transport, senior citizen transportation, NEMT, ambulance service, ambulatory transport
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best NEMT Insurance Coverage
A lot of NEMT are overpaying for coverage because their agent does not have access to the right insurance companies or they end up in their state insurance fund. Other business owners are using outdated installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of lawn care business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing NEMT insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National NEMT Insurance Expertise |
| More Markets for More Solutions |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
The cost of business insurance has been increasing for transportation companies. General liability and workers' comp insurance have been the major cause of the increase in the cost. Auto insurance rates have also been on the rise. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for non-emergency medical transportation:
Workers Compensation and Employers Liability
Commercial General Liability
Personal Property and Commercial Property
Auto Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Workers' Comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our experts a call at 888-611-7467.
How Much Does Non-Emergency Medical Transportation Insurance Cost?
The average rate our customers pay for workers' compensation under the xx class code is around 7.15 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of transportation can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates for NEMT are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of customers matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
Auto Liability Costs
- Auto Liability rates are based on vehicles and passenger capacity
- Gross revenue may affect pricing
- Vehicle values matters to underwriters
- Prior clams and years in business affect pricing
Then there's Trusted Service.
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How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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