Save on Insurance for
Non-Emergency Medical Transportation
Don’t wait until your policy renews, call 757-442-6187 today.
• The best prices in the industry
• Compliance with transportation manager/dispatcher insurance requirements
• Expertise with prompt, courteous service
We can insure single lines or packages:
• Commercial Auto • General Liability • Professional Liability
• Abuse and Molestation Coverage
• Workers Compensation • Property
• Directors & Officers • all Others
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Full Applications (Used to obtain a firm quote.)
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McCaleb-Metzler is able to provide all insurance needs for non-emergency medical transportation businesses. These businesses are specialized, door-to-door transportation services for people with disabilities, are older, are economically challenged, or are not able to ride fixed-route public transportation. The transportation is based on pre-scheduled appointments and the paratransit service is usually compensated by medical insurance plans including Medicare and Medicaid. Although we can insure other transportation businesses separately, our Paratransit program does not include emergency or event ambulance service, limousines, shuttles, taxis or transportation of the general public.
Since most non-emergency medical transpiration businesses are regulated by the state, the various states levy some minimum insurance requirements upon them. Further, since many paratransit companies are contracted with various transportation managers (Logisticare for example), the managers have further insurance requirements. Many times the transpiration managers require that both they and their clients be added to the transporter's policy as an additional insured. However, please do not consider the various insurance requirements as protecting you thoroughly. Protect your investment - your business may have different exposures. For full definitions of coverages below, see our Business Insurance Information page.
The most obvious insurance need with paratransit is commercial auto insurance. You need to ensure you have liability limits of at least $1,000,000 per occurrence, but many states require higher limits depending upon the seating capacity of your vehicles. Umbrella Liability can help increase insurance limits to whatever limit is needed. Uninsured and/or Underinsured Motorists Coverage up to your full liability limits is highly suggested. States will require the insurance companies to file various reports with their department of motor vehicles as evidence of satisfactory coverage being in place. Be sure to tell your agent if any of your vehicles have special equipment on them, such as wheelchair ramps, because that makes a difference in the insured value of the vehicle.
General liability insurance is a requirement to protect the business in the broadest sense and we suggest a minimum of $1,000,000 limit. However, abuse and molestation is typically excluded from general liability policies. You will want to ensure that this is either NOT excluded or that it is added back into your coverage with a minimum of $100,000 limit. We highly suggest sexual abuse and molestation insurance coverage up to full policy limits.
Workers Compensation insurance is another important consideration. Requirements vary by state. This insurance protects the employee in the event of a work related injury. If a driver is injured while driving in the course of business, workers compensation insurance would pay for their health care bills. We recently had an driving related workers compensation claim over $1,200,000. Be sure to obtain workers compensation insurance from a qualified, highly rated insurance company.
Umbrella Liability insurance increases your liability limits of your business auto, general liability, and workers compensation insurance coverages. For example, you may require a $5,000,000 limit of insurance for general liability and business auto insurances. To do that, one solution is to have $1,000,000 limits on the underlying policies (general liability and business auto), then cover them with a $4,000,000 umbrella policy.
Property Insurance requirements are somewhat standard of other office type businesses. You need to insure your building if owned or if required in your lease. Business Personal Property (contents) are a consideration for furniture and fixtures. Computer records and specialized software should be a special consideration. Be sure to have a plan to backup off-site your computer records and know how to restore your records in an emergency. Business Income and Extra Expense Insurance is also a consideration to help reduce the risk of lost income if your main office building suffers loss.
Below are some other coverages to consider:
Employment Practices Liability
Data Processing (Computers)
Group Health Insurance
Group Life Insurance
Group Disability Insurance
Group Long Term Care Insurance