NEMT Insurance Program

Non-Emergency Medical Transportation Insurance

Competitive Coverage for NEMT Risks!

Discover our Non-Emergency Medical Transportation Insurance Program with A.M. Best “A” Rated protection! Our coverage includes Commercial Auto, General Liability, and Professional Liability with added protections for patient loading/unloading. Ideal for new ventures with industry experience, and available in multiple states. For a quote and more information, contact us today!

Program Highlights

  • A.M. Best “A” Rated (Excellent)* 
  • Minimum 1 Unit
  • New Ventures (3 years similar prior industry experience/owner resume required)
  • Up-to 20% 911 Dispatched-Emergency Calls

Eligible Classes

  • Non-Emergency Medical Transportation
  • Paratransit
  • Ambulance and Emergency Medical Transportation (used for Basic Life Support Medical Transportation)

Eligible Coverages

  • Commercial Auto - provides single limit liability up to $1 million and includes Hired/Non-owned Auto Liability  
  • Professional Liability - includes a Endorsement that removes exclusions for injuries that arise out of loading/unloading patients from motor vehicles


  • Commercial General Liability - coverage up to $1 million each claim/$3 million aggregate
  • Excess Liability - provides limits up to $5 million
  • Employee Benefits Liability
  • Sexual Abuse and Molestation
  • Workers' Compensation

*Commercial Auto is written with an Admitted carrier. General Liability and Professional Liability written with a Non-Admitted carrier. This program requires that GL/PL Coverage is written with Auto Liability. GL/PL is also available on a stand-alone basis.

We Offer Many Transportation & Specialty Programs.

Please contact an Underwriter if you have any opportunities that fall outside the above. 

Eligible States

  • AL, AR, AZ, CO, CT, DE, GA, IA, IL, IN, KS, KY, MD, ME, MI, MN, MS, MT, NC, NH, NV, OH, OK, OR, PA, TN, TX, UT, VA, WI

Submission Requirements

  • Acord 125, 127 and 137/State
  • Supplemental NEMT Application
  • Specify All Vehicle Types
  • Premium History (Current back 4 years)
  • Number of Vehicle(s) History (Current back 4 years)
  • Number of Annual Runs per Policy Year for Entire Fleet (Required)
  • Currently Valued Loss Runs (Minimum 5 Years unless in operation for less)
  • MVRs on All Drivers
  • Target Premiums by Line of Coverage

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Submissions: Get A Quote

Questions? Contact Us

Call Us: 800-926-6771

Email: info@cluettinsurance.com

Visit Our Website: www.cluettinsurance.com

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Cluett Commercial Insurance Agency, Inc.

Cluett Commercial Insurance Agency, Inc., 431 Country Club Way, Units C&D, Kingston, Massachusetts 02364