Looking for NEMT Insurance in Utah?

Are you looking for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Transportation, or NEMT Insurance, in Utah? American Business Insurance Services specializes in helping companies find and maintain the best amount of insurance. Our goal is to make sure that your business, employees, and customers are all protected without breaking the bank. We know that unlike standard automobiles, even a fender bender can create circumstances for a large claim due to the potentially fragile passengers being transported.

American Business Insurance provides professional advice that will help you fully cover your business from all liabilities that could hurt your company. With this consultative-style approach, we are able to recommend the most comprehensive and most cost-effective NEMT insurance for your business. American Business Insurance Services, Inc. has been writing this class of business for over 35 years. Experience with NEMT coverage cannot be understated when you consider the vast requirements that apply to this type of policy. American Business Insurance currently offers NEMT insurance in Utah as well as nearly every other state in the U.S.

NEMT Insurance in Utah for Company Fleets

We all have loved ones, that at one time or another, are in need of consistent medical care. Whether they be our aging grandparents, parents, or even our in-laws, we want the best care for them. But sometimes, our lives get a bit hectic and busy. We can’t always find the time to escort our loved ones to doctor appointments and other medical treatment centers. Although, there are ways to make this process a little easier. Many families, hospitals, and doctor offices turn to Paratransit Service or Non-Emergency Medical Transportation (NEMT) providers to fill this need. The Americans with Disabilities Act of 1990, made paratransit service a daily reality for many Americans with disabilities. By providing transportation for those with disabilities, paratransit services are paramount to the well-being and mobility of thousands of Americans.

NEMT Insurance in Utah

Even for those who have loved ones nearby, it’s not always convenient or possible to be available at all hours. Non-emergency medical transportation in Utah can be very advantageous for individuals who are unable to use conventional transportation means. NEMT services in Utah have several benefits. First off, medical transportation services in Utah provide some of the safest transportation options available. Moreover, NEMT services are health-focused – which can be especially important for those with a disability or health condition, as well as the elderly.

As a NEMT business owner, this is where your company comes into play. If you are a NEMT agency that operates fleets in Utah, it’s especially important that you have NEMT insurance. American Business Insurance works with agencies to provide the best available coverage. Having the right NEMT insurance in Utah is essential in making sure your business and customers are covered in case of an incident.

When customers are looking to choose a paratransit service or agency to be responsible for their loved ones, they will be looking into the NEMT company to make sure their loved one is going to be safe and protected.  American Business Insurance Services, Inc. provides NEMT insurance to companies in Utah as well as nationwide, creating customized policies to best serve the client’s needs.

How to Decide on NEMT Insurance for Your Company Fleet

There are a lot of factors that go into finding the best NEMT insurance coverage for your non-emergency medical transportation’s large fleet. Therefore, prepare to answer a few questions when working with American Business Insurance to find you the best quote to match your business needs.

  • Are the majority of your trips for passengers ambulatory or non-ambulatory?
  • Does your company contract with LogistiCare or other providers with strict insurance requirements?
  • Do your vehicles have lifts or ramps?
  • Do your vehicles include backup cameras so your drivers can see whether or not someone in a low wheelchair is behind the vehicle when backing?

Insurance companies ask these questions to ensure you are fully covered under your policy. At American Business Insurance Services, Inc., we guarantee the most thorough coverage for your large fleet. Furthermore, we have trained professionals who will take care of everything, and will guide you through the process of properly insuring your NEMT fleet most efficiently!

Why You (the Paratransit service/agency) Need Full Coverage

Having proper paratransit or NEMT insurance is critical to operating a successful transportation business. The services that paratransit automobile fleets accomplish for those in need is truly life-changing and deserves insurance that is equally up to par.

Moreover, the reason you (the Paratransit service/agency) need NEMT fleet insurance is to ensure the safety and reliability of your paratransit service company, protecting your passengers and your business.

Coverage Requirements for Paratransit and NEMT Companies

It’s crucial to know exactly what’s in your NEMT coverage contract. At American Business Insurance, we examine the contract providers and the requirements that they have. For example, let’s look at LogistiCare.

  • $1,000,000 Combined Single Limit of Auto Liability Coverage
  • Hired & Non-Owned Coverage (Symbols 2,8,9)
  • Loading & Unloading Coverage
  • General Liability Coverage at $1,000,000 per incident $2,000,000 Aggregate
  • Sexual Abuse and Molestation Coverage (limits can vary by location)

There are other requirements in addition to the ones listed above. However, if you are missing any of those items on your insurance policy, LogistiCare will suspend your account. Many large Non-Emergency fleets have a long list of additional interests that have different insurance requirements.

Typically, we will ask for a copy of the provider insurance section of the contract to make absolutely sure that we’ve gotten your coverage written correctly. American Logistics, SoutheastTrans, and other NEMT providers have extremely particular requirements for coverage to protect them. Why is this? One answer: safety.

How Can American Business Insurance Services, Inc. Help?

If you have questions or are seeking further guidance, please don’t hesitate to contact us. Call us Monday – Friday, from 8 am to 5 pm PST: 800-980-1950 or email us anytime! We would love to help you get your NEMT business in Utah off the ground and paired with an insurer that’s right for you. Be sure to check out our social media: Instagram, Facebook, LinkedIn.