Non-Emergency Medical Transportation (NEMT) businesses provide transportation services for individuals who require non-emergency medical care or assistance. NEMT businesses face unique risks and liabilities that require specific insurance coverage to protect their operations, employees, and clients.

1. Commercial Auto Insurance: This insurance coverage is mandatory for any business that owns or operates vehicles. It provides protection for bodily injury, property damage, and medical payments in case of an accident involving a NEMT vehicle.

2. General Liability Insurance: This coverage protects NEMT businesses from third-party claims for bodily injury, property damage, or personal injury caused by the business’s operations or employees.

3. Professional Liability Insurance: This insurance provides protection for errors and omissions made by employees or the business during transportation, such as incorrect scheduling, medical errors, or other professional mistakes.

4. Workers’ Workers’ Compensation Insurance: This insurance provides benefits for employees who suffer from work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation services.

5. Umbrella Insurance: This insurance provides additional liability coverage that goes beyond the limits of your primary insurance policies. It can provide extra protection in case of high-value claims or lawsuits.

In Texas, NEMT businesses must comply with state regulations that require specific insurance coverage. According to Texas law, NEMT businesses must have a minimum of $1,000,000 in liability insurance for bodily injury and property damage. They must also have commercial auto insurance coverage and comply with workers’ compensation regulations.

Having the right insurance coverage can protect NEMT businesses from unexpected expenses, legal claims, and reputational damage. It can also help them comply with state regulations and provide peace of mind to clients and employees. It is essential to work with a knowledgeable insurance agent who understands the unique risks and liabilities of the NEMT industry to identify the right coverage options for your specific business needs.