Wheelchair Transportation
Lift- and ramp-equipped vans with passenger securement systems. Tell us about vehicle conversions, seating and passenger assistance.
Non-Emergency Medical Transportation Insurance
NEMT Insurance for Georgia & Florida Transportation Providers
Request a NEMT insurance quote for wheelchair vans, ambulatory transportation or non-emergency stretcher operations. Work directly with Derrick to review your vehicles, drivers and contracts, then compare available coverage and payment options.
For transportation business owners and providers. This is business insurance, not a passenger ride-booking service. Emergency ambulance and 911 operations are outside this page’s scope.
Operations We Help Insure
Built Around Medical Transportation
NEMT is passenger transportation. Your submission should clearly explain who you transport and the assistance your team provides.
Ambulatory Transportation
Sedans, SUVs and minivans serving passengers traveling to dialysis, therapy and medical appointments.
Stretcher & Ambulette
Non-emergency stretcher operations are considered subject to market appetite. Describe attendants, equipment and any care provided en route.
Mixed Operations & Fleets
One vehicle or a growing fleet. We present your ambulatory, wheelchair and stretcher percentages accurately to underwriting.
Coverage Overview
Coverage for Your NEMT Operation
The program depends on your vehicles, people and contracts. Availability and coverage are subject to insurer approval and policy terms.
Commercial Auto Liability
Liability protection for covered bodily injury and property damage arising from insured vehicles. Limits should reflect your operation and current contracts.
Physical Damage
Comprehensive and collision for scheduled vehicles. Review vehicle values, wheelchair conversions, lifts, ramps and deductibles with us.
General Liability
Coverage for eligible non-auto business exposures, subject to policy terms. Passenger assistance and loading exposures need careful review across policies.
Workers’ Compensation
Review employee and attendant duties, payroll, state requirements and contract requirements when selecting coverage.
Hired & Non-Owned Auto
May address qualifying rented, borrowed or employee-owned vehicle liability. Passenger transport use must be disclosed and accepted by the insurer.
Umbrella & Excess Liability
Additional limits may be available over approved underlying policies when your transportation contracts require them.
Certificates & Contract Requirements
Send the insurance section of your current agreement. We review requested limits and endorsements before submission. Certificates reflect bound coverage; additional insured requests must be supported by the policy.
Georgia & Florida
NEMT Insurance in Georgia & Florida
Medicaid programs and private transportation contracts can have different insurance and credentialing requirements. There is no universal limit for every NEMT business.
Georgia NEMT Insurance
Georgia Medicaid identifies Verida as the NEMT broker serving all five regions beginning April 1, 2026. Providers pursuing Medicaid transportation work should obtain the current provider agreement and credentialing requirements.
We review insurance limits, driver and vehicle schedules, loss history, certificate requests and supported endorsements. Pinnacle is an independent insurance agency and is not affiliated with Verida.
Georgia Medicaid NEMT information →Florida NEMT Insurance
Florida providers may serve transportation brokers, facilities and managed-care organizations. Bring the current insurance requirements from each contracting partner so limits and endorsements can be identified early.
We consider garaging location, territory, vehicle equipment, passenger services and driver history when preparing your submission to available markets.
Florida AHCA describes non-emergency transportation as a covered Medicaid service. Provider insurance should still be reviewed against your specific transportation or health-plan agreement.
Florida Medicaid transportation information →Understanding Your Premium
What Affects NEMT Insurance Cost?
A useful quote starts with the actual exposure. These factors help underwriters assess your operation, rather than relying on a generic price per van.
Vehicles & Equipment
Vehicle count, values, seating, wheelchair conversions and stretcher equipment.
Drivers & Experience
Driver records, license history, passenger transportation experience and management background.
Mileage & Territory
Annual miles, trips per day, operating radius and where vehicles are principally garaged.
Passengers & Assistance
Ambulatory, wheelchair and stretcher mix, attendants and the assistance your team provides.
Business & Loss History
Years operating, prior coverage, claims frequency and severity, and loss runs where available.
Limits & Contracts
Liability limits, deductibles, required endorsements and the transportation partners you serve.
Starting a Transportation Business
New Venture? Start With a Complete Picture.
A new business can be considered by certain markets. Eligibility, pricing and terms depend on the operation and underwriting.
Show underwriters how you will operate
Tell us about management experience, proposed drivers, vehicle purchases, passenger services, realistic mileage and the contracts you are pursuing. If you have not started operating or do not have loss runs, say so. Accurate information gives underwriters a clearer basis for review.
Discuss a New VenturePrepare Your Submission
What Underwriters Will Want
Start with the short form below. Derrick will follow up for detailed schedules and supporting documents. Do not enter driver license numbers or dates of birth in the initial form.
Business
Legal name, FEIN, garaging address, years operating, projected revenue and requested effective date.
Vehicles
Year, make, model, VIN, value, seating capacity, wheelchair lift or ramp, and stretcher equipment.
Drivers
Names, dates of birth, license information, driving experience and passenger transportation experience.
Operations
Passenger mix, trips per day, days operated, annual mileage, radius and states served.
Insurance History
Current carrier, renewal date, prior insurance, claims history and available loss runs.
Contracts
Current broker, facility or managed-care agreements, limits, endorsements and certificate requirements.
The Pinnacle Process
A More Organized Path to Coverage
Work directly with Derrick from initial review through binding and ongoing service.
Tell Us About Your Operation
Vehicles, drivers, passenger services, territory and contracts.
We Prepare the Submission
We organize the information so underwriters can assess the business clearly.
We Approach Available Markets
Options depend on state, operation and current underwriting appetite.
Review Terms & Bind
Compare premium, payment structure, deductibles and coverage. After binding, we assist with supported certificates.
Common Questions
NEMT Insurance Questions, Answered
Practical guidance for providers evaluating coverage and preparing a submission.
Can a brand-new NEMT company get insurance?
Potentially. New ventures are considered subject to carrier appetite and underwriting. Management experience, driver history, vehicle details, territory and passenger services matter when there is no operating loss history.
How much does NEMT insurance cost?
There is no single dependable flat rate. Vehicles, drivers, garaging territory, mileage, passenger mix, loss history, limits and contracts affect premium. A complete submission lets us seek terms for your actual operation.
What insurance does an NEMT company need?
Commercial auto liability is usually the foundation. Physical damage, general liability, workers’ compensation, hired and non-owned auto, and excess liability may also be appropriate depending on your business and contracts.
Can you insure wheelchair vans and lifts?
Eligible wheelchair operations can be submitted to available markets. Provide vehicle values and conversion details. Coverage for lifts, ramps and other equipment must be confirmed in the policy; it is not automatic.
Can you insure non-emergency stretcher transportation?
Certain markets may consider it. Describe attendants, equipment and any medical services provided. Emergency ambulance and 911 response are separate exposures and are outside this page’s scope.
Can I insure mixed ambulatory and wheelchair trips?
Mixed operations may be eligible. Give us realistic percentages for each passenger service, including any stretcher work, so the submission accurately describes the business.
What insurance limits does Verida require?
Send your current provider agreement and insurance requirements. Limits and endorsements should be reviewed against the exact contract and operation rather than a generic figure online.
Do NEMT companies need workers’ compensation?
Employee structure, state law and contracts determine the requirement. Tell us about drivers, attendants and payroll so we can review the coverage needed.
Is NEMT insurance the same as trucking insurance?
No. NEMT transports passengers and is underwritten differently from freight trucking. Your insurance application needs to describe medical transportation accurately.
Does Pinnacle write NEMT in Georgia and Florida?
Pinnacle is licensed in both states and can submit eligible NEMT operations to available markets, subject to underwriting and carrier appetite.
Can Pinnacle issue certificates of insurance?
After coverage is bound, we can issue certificates that accurately reflect the policy. Additional insured status and special wording must be supported by the policy and applicable endorsements. A certificate does not expand coverage.
What do I need to start a quote?
Start with your company, contact information, state, vehicle count and operation type. If available, add drivers, radius, mileage, daily trips, requested start date, current carrier and contract partner. We follow up for schedules and supporting documents.
Do my drivers need a commercial license?
License requirements depend on vehicle specifications, seating capacity, use and applicable rules. We review driver and vehicle information for underwriting; confirm licensing obligations with the relevant licensing authority.
Can you help after another carrier declined my operation?
Possibly. Market appetite varies. Share the operation details and the reason for the decline so we can assess which available markets may consider the risk.
Does general liability cover every passenger assistance incident?
Coverage depends on the incident and each policy. Loading, unloading, wheelchair securement and assistance away from the vehicle can involve different exclusions. Describe those duties so auto and general liability terms can be reviewed together.
Can I compare down payments and monthly payments?
When terms are available, compare the annual premium, required down payment, installment amounts, fees, deductibles and coverage together. Payment plans vary by insurer and financing arrangement; a low installment alone does not show the total cost.
Get Started
Ready to Discuss Your NEMT Operation?
Commercial insurance for eligible Georgia and Florida transportation providers.
Work Directly With Derrick
Tell us the basics. We will review your operation and follow up for the information needed to approach available markets.
(770) 758-3197Pinnacle Risk Advisors LLC
2700 Cumberland Pkwy SE, Atlanta, GA 30339
Submitting a request does not bind or confirm coverage.
Your request has been received.
Derrick will review your operation and follow up for the next steps. Coverage is subject to underwriting approval.
Call (770) 758-3197Coverage availability, limits, terms, pricing and eligibility vary by carrier and state and are subject to underwriting approval. Nothing on this page changes, binds or confirms coverage.