Limo Insurance Nevada

If you are thinking about driving a limo Nevada, you need to understand the risks that you assume by doing so. As a limo driver, you may be transporting numerous passengers to a desired destination with each trip that you make. You may make at least several trips each day, so the number of passengers you serve can quickly mount. In addition, many areas of Nevada are highly congested, and you must think about the risk of accidents. As a driver, you may be responsible for any injuries to your passengers, and you could also be responsible for the damages that you cause to other motorists, pedestrians and more.

What the Law Says About Operating a Limo
Before you drive your limo Nevada for commercial purposes, be aware that this state has special laws regarding insurance coverage. Specifically, Nevada law requires you to buy liability insurance. The amount of coverage required may be dependent on the size of your limo and the number of passengers that it can hold. Remember that you are still responsible for any expenses that you create that exceed the limits of your coverage. With this in mind, you should consider the benefits associated with buying more than the required amount of liability insurance.

Other Types of Coverage Available
Liability insurance for a limo Nevada only pays for expenses that you create for other people. If your limo is your livelihood, you will need a way to pay for any repair work to your vehicle. Collision or comprehensive insurance are available for commercial vehicles. Collision coverage only provides benefits for a collision, but comprehensive insurance offers benefits for theft, weather-related damage, a collision and many other situations. There are other types of coverage that may also be suitable. These include loss of income, personal injury or personal property, uninsured motorist, towing service and more.

As a limo operator, you must understand and comply with all legal requirements that are specific to your type of vehicle. Because the legal requirements often are not sufficient for all of your needs, it is helpful to explore the benefits of optional coverage. Remember that your premium for business-related insurance is deductible, so it can benefit you to purchase the most protective and beneficial coverage that you can afford. You can easily get a quote for commercial auto insurance that complies with the minimum requirements, and you can compare the cost against a quote for the full coverage that you desire.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Non-Emergency Medical Transportation Insurance or NEMT Insurance

When people think of medical transportation, they automatically assume that ambulances blazing down the road with sirens blasting is the only type. However, in today’s world of healthcare, there is plenty of non-emergency medical transportation on the road as well. But just like other businesses, NEMT requires insurance on its vehicles and drivers. Since most of these vehicles are fitted with special equipment and handle a variety of clients, they require insurance that can cover these special requirements. If you are in need of non-emergency medical transportation insurance for Arizona, Nevada, or California, there are certain issues of which you should be aware.

Licensing Agency Requirements
Because drivers or other staff are expected to be able to communicate with clients as well as perform basic services on a daily basis, it’s imperative that non-emergency medical transportation insurance for Arizona, Nevada, California, or other areas provide adequate coverage for any situation that may arise. This can include such aspects of insurance as:
–Auto Liability Insurance
–Physical Damage Insurance
–General Liability Insurance
–Abuse and Molestation Insurance
Since each state issues its own requirements for NEMT, it’s vital to thoroughly research the requirements for your business so that if a problem arises, your employees will be covered.

Transportation Managers and Dispatchers
Vital parts for any NEMT business, transportation managers as well as dispatchers play an important role in ensuring patients as well as employees are protected. However, to make sure these employees are protected under your insurance plan, make sure they are added to the policy your business chooses. Since Medicare, Medicaid, and various states sometimes require a minimum amount of paratransit insurance, it’s crucial to make sure a transportation manager is added to the insurance policy as well. By doing so, the NEMT will never find itself responsible for an accident, since the transportation manager will be covered.

Make the Best Choice
When it comes time to get non-emergency medical transportation insurance for Arizona, Nevada, California, or other states where NEMT provides a vital service, it’s good to research the many options so that you make the best choice for your business. As the United States population continues to age, there’s no doubt this industry will continue to grow more in the years ahead. By providing specialized door-to-door transportation for the elderly as well as those who cannot ride standard public transportation, NEMT will play a pivotal role in the lives of those who need it most.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Non-Emergency Medical Transportation Insurance or NEMT Insurance

As advances in life-sustaining medical care surge, people with limited mobility are living longer, happier, more active lives. The demand for non-emergency medical transportation (NEMT)insurance has never been greater. Providers in California, Nevada and Arizona need to ensure they meet stringent state and federal insurance requirements to qualify for Medicare, Medicaid, as well as other insurance payment eligibility.

Of course, making sure your business is protected is a no-brainer, regardless of the law. Here is an overview of some basics about non-emergency medical transportation insurance for Arizona, California, Nevada providers.

According to the federal guide for NEMT providers, carriers are responsible for obtaining significant risk management coverage. States like California, Nevada, Arizona have their own specific regulations as well.

Types of Coverage

It’s important to consult with a qualified commercial insurance professional who specializes in non-emergency medical transportation insurance for Arizona, California, plus Nevada, or for whatever state you operate in. This list is a good introduction to some of the various kinds of coverage you’ll need to consider to meet requirements and protect your company:

• Commercial Automobile Liability
• General Liability
• Professional Liability
• Worker’s Compensation
• Abuse/Molestation Liability
• Property Liability
• Cyber/Data Breach Liability
• Loading/Unloading Coverage
• Employment Practices Liability
• Umbrella Coverage

A Unique Responsibility

It may seem like the insurance requirements for providing NEMT are scary, but when you consider the exceptional care responsibility for patients requiring this service, it really makes sense. Transporting mobility-limited individuals to medical appointments, treatments, or even to non-medical activities, requires great care be taken for the protection of all involved. Your customers may include:

• Wheelchair-bound patients
• Stretcher-bound patients
• Patients with other extreme physical limitations
• Patients who are unable to communicate or have mental disabilities
• Extremely elderly patients

Protect Your Business

As a responsible business owner dedicated to meeting federal or state requirements, as well as a passionate caregiver devoted to providing your customers and employees with the best, safest care possible, investing in NEMT insurance for your company is non-negotiable. Grow the success of your company with the correct non-emergency medical transportation insurance for Arizona, California, and Nevada. Make sure you are properly protected. Working with an NEMT-specialized insurance professional is the best way to navigate the sometimes complicated rules of the road. It will give you, your employees, as well as your patients peace-of-mind in an industry where gentle, safe guardianship is a must, from the CEO right down to each professional driver.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Non-Emergency Medical Transportation Insurance or NEMT

As the healthcare industry of today continues to evolve, one aspect that has taken on greater importance has been non-emergency medical transportation. A service needed by people who are unable to use standard public transportation, there is no doubt the elderly as well as those who are disabled benefit greatly from this service. However, just as it is with any business, non-emergency medical transportation needs insurance coverage. When non-emergency medical transportation insurance for Arizona, Nevada, and California businesses is needed, there are a variety of factors to consider.

Types of Coverage
Because this type of business deals with a wide variety of clients, it requires various types of insurance coverage to ensure it can be protected in the event an incident arises. Some of the most common types of coverage for NEMT include:
–Commercial Auto
–General Liability
–Directors or Officers Liability
–Abuse or Molestation Coverage
–Professional Liability
By making sure they have these types of coverage, non-emergency medical transportation companies can have peace of mind, knowing they are fully protected.

Industry Compliance
As is the case with any business related to healthcare, non-emergency medical transportation is highly-regulated and is required to be in compliance with many state and federal rules and regulations. Because of this, non-emergency medical transportation insurance for Arizona, Nevada, or California must be carefully analyzed to ensure it will allow the business to meet whatever guidelines are in its individual state. This is of particular importance when it comes to the company’s transportation managers, dispatchers, or other related personnel, since they possess high levels of responsibility within the business, and are entrusted with making sure the patients get from one destination to another in a safe manner.

Special Equipment Coverage
Since insurance requirements for Medicare, Medicaid, as well as state insurance agencies can vary greatly, they have many, many details associated with them. Therefore, it’s vital to have coverage for any special equipment that may be part of each vehicle. Whether it’s special seating, doorways, or lifts for wheelchairs or other mobility devices, having special equipment coverage can ensure your business will be able to have coverage for virtually any situation.

Obtain the Coverage You Need
To make sure your business is not facing a potentially costly legal situation, it’s crucial to obtain non-emergency medical transportation insurance for Arizona, Nevada, California, or other areas where this coverage is needed. By determining your needs, you’ll be able to meet whatever standards Medicare, Medicaid, or state insurance regulations require.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Non-Emergency Medical Transportation Insurance or NEMT Insurance

Non-Emergency Medical Transportation Insurance or NEMT

Ever since the passing of the Affordable Care Act, the federal law commonly referred to as “Obamacare,” more business opportunities have emerged for providers of ancillary services such as patient transportation. In states with higher populations of retirees, demand for patient transportation services has dramatically increased as Medicare as well as other subsidized programs.

In the Obamacare era, patient transportation services are thriving. Inquiries for non-emergency medical transportation insurance for Arizona, Nevada and California are at an all time high due to ongoing demand. Companies are investing in updated vehicle fleets; they are also incorporating features such as mobile apps for the purpose of offering more convenience to patients.

Getting patients safely from medical facilities and their residences and vice versa is an important benefit that health management organizations have always supported. In the history of Medicaid, the practice of arranging special transportation for patients dates back to 1966, when it was made part of an Early Screening strategy, which intends of lower the financial burden of public health services by making sure that patients do not have transportation obstacles when getting treatment. By providing non-emergency transportation, patients are encouraged to keep their medical appointments; this is part of an overall strategy to keep the population healthy.

Coverage of transportation fees will vary according to the insurance plan; for example, non-emergency ambulance transportation will be fully covered by Medicare for patients who are being treated for end-stage renal disease, which means that they will need dialysis sessions a few times per week. Furthermore, Medicare will cover non-urgent transportation in just about all cases when physicians take the time to write the need for such arrangements as part of the treatment plan.

Patients who are on the Part B Medicare program may have to pay 20 percent out of pocket for transportation; these are typically patients who require occasional services. For other patients who obtain insurance from the state or federal insurance marketplaces, similar conditions will apply.

Having adequate non-emergency medical transportation insurance for Arizona, Nevada and California is vital for entrepreneurs who plan to enter this lucrative segment. The liabilities are considerably higher when compared to other transportation services such as those provided by limousine operators. Non-emergency medical transportation insurance for Arizona, Nevada and California is not as costly as some people may think; a key element to scoring lower premiums is to follow the advice of insurance agents with regard to installing special equipment to keep patients safe.
Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: ghanson@proinsgroup.com Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051 Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086 Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

What Insurance Companies Are Competitive For Livery

What Insurance Companies Are Competitive For Livery

When it comes to the business of transportation, one of the most important aspects of these businesses involves having the proper insurance coverage. For those who operate commercial limousine services, bus charter services, or have a fleet of vehicles for other purposes, having livery insurance makes sense in a number of ways. Because these businesses rely on dealing with a wide variety of people on a daily basis, it’s virtually inevitable that situations will happen that result in the need for livery insurance coverage. In order to know what insurance companies are competitive for livery, there are a number of factors to take into consideration.

Coverage Limits
When a business owner is attempting to decide on the proper livery insurance, one of the first things to take into consideration is coverage limits. Whether a business has only one limo or a multitude of vehicles, knowing what insurance companies are competitive for livery can provide coverage limits from $5 million up to as much as $20 million, ensuring any business can be protected in the event an incident happens.

A Variety of Services
For businesses that are in need of insurance, determining what insurance companies are competitive for livery involves knowing what services are available. Some of the most common services used by personal transportation businesses include:
–Bodily Injury and Property Damage
–Physical Damage
–General Liability
–Garage Liability
Within these different types of coverage, some of the key components include uninsured motorist coverage, underinsured motorist coverage, medical payments, and personal injury protection.

Knowledge and Experience
Perhaps most of all, knowing what insurance companies are competitive for livery includes working with an insurance broker who has the knowledge and experience needed in this specialized area of insurance. By doing so, an agent can talk with you about the specific needs of your business, then tailor a policy that ensures as much coverage as possible for numerous situations. In addition to this, the best agents are often independent, allowing them to work with a number of different companies in order to get the best deals for their customers.

Contact an Agent Today
In order to have a complete understanding of what insurance companies are competitive for livery, the best thing to do is contact a knowledgeable and experienced insurance agent. By doing so, you and your business can begin to discover the many aspects of livery insurance, all of which can help protect your business in the event an accident or other incident occurs.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax

Cab Insurance Arizona

Cab Insurance Arizona

Operating a taxi can be a great way to make money in Arizona. People are always in need of rides to bars, to the airport or wherever else they need to go. However, it is important that you have sufficient insurance if you want to operate a legal taxi company or drive your own taxi within the law.

Cab Insurance Arizona Requirements

If you are going to operate a taxi in the state of Arizona, you must carry $250,000 of primary commercial coverage in addition to $250,000 of uninsured motorist coverage. However, this is only during times in which you are actually transporting a paying customer. Proof of insurance must be carried at all times and presented upon request to anyone who asks for it.

Cab Insurance Arizona Requirements When Not Transporting Customers

If you are driving a taxi in the state of Arizona without any passengers inside, your insurance requirements are the same as any other driver. This means that you only have to carry $25,000 of general liability for a single person and $50,000 to cover two or more people hurt in an accident. Furthermore, you must carry $20,000 of coverage to pay for any property damage that may occur in an accident.

What Happens After an Accident?

In the event that you get into an accident while driving a cab, an investigation will be performed. You are responsible for presenting proof of insurance and meeting all other requirements to act as a taxi driver or operator. Your cab insurance Arizona provider is also required to provide any information that would help an investigation proceed. After an investigation is complete, one party will be deemed to have been at fault, and legal proceedings may take place if applicable.

What Happens if Your Commercial Insurance Policy Lapses?

If your insurance lapses, you must either get a new policy or stop operating as a taxi. Your insurance company may allow you to renew your coverage automatically or otherwise alert you to the fact that your policy will lapse well before it actually happens. This gives you ample time to ensure that your policy remains valid.

Whenever you operate a motor vehicle whether for private or commercial purposes, don’t forget to have adequate insurance. It will help you avoid financial and legal penalties that can harm your personal finances as well as your ability to make a living driving your car.

Best regards,
Gary Hanson
Professional Insurance Strategies, LLC
2822 W. Northern Ave
Phoenix, AZ 85051
Mailing
3655 W. Anthem Way A109-283
Anthem, AZ 85086
ghanson@proinsgroup.com
602-481-0161
623-463-9001 Fax


Does Arizona Require Commercial Drivers License For A Tnc

Transportation network companies, otherwise known as TNCs, are becoming increasingly popular, and this includes companies like Lyft, Uber and Total Transit, to name a few. These companies each have unique reservation or transportation request methods, and they provide individuals with a fast, convenient and generally affordable way to get from one location to another. If you are thinking about becoming a TNC driver or if you are already a driver with one of these companies, you may wonder about licensing requirements. Does Arizona require commercial drivers license for a TNC?

Licensing Requirements
The question of does Arizona require commercial drivers license for a TNC is an increasingly common one, and this is because many people are using a TNC driving job as a way to make extra money on the side or even to earn a full-time living with flexible work hours. All drivers are required to have a driver’s license that is appropriate for the type of vehicle they are driving. Most will be driving their own private car, truck or SUV, so a standard driver’s license will suffice. However, there are insurance requirements that must be met for a TNC job.

The Basic Insurance Requirements
There are some insurance requirements in place for TNC drivers in Arizona. When providing personal transportation, the driver must maintain a liability policy of 25/50/20. This means that it provides $25,000 in benefits for bodily injury or death to one person, $50,000 for bodily injury or death to two or more people and $20,000 for personal property damage coverage. There are other requirements in place for TNC drivers in Arizona as well. For example, drivers must have a commercial liability policy of at least $250,000 per incident and insured motorist coverage of at least $250,000 per incident. Proof of coverage should be in the driver’s possession at all times the vehicle is in operation for commercial purposes.

In order to be in legal compliance on the road, drivers must be properly licensed as well as insured. Therefore, it is important to ask does Arizona require commercial drivers license for a TNC. Those who are thinking about becoming a TNC driver in Arizona can consider these points for both licenses and insurance before starting a new job. The licensing status and insurance will need to remain active while the driver is working for a TNC in Arizona.

 

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

 

Arizona State Rideshare Insurance

Today, ridesharing is more popular than ever, with companies like Uber and Lyft taking over a large part of the commercial driving business that was once only inhabited by traditional (and more expensive) taxi companies. Today, many people are avoiding the stress of dealing with traffic and of driving home from social events that involve drinking by utilizing rideshare companies. These new companies have seen explosive growth in recent times as they are easy to use and offer a largely safe and affordable alternative to taxis or driving a car.

One of the big issues involved in the growth of these newer ride sharing companies, however, is how they fit into the legal landscape once ruled only by the laws concerning commercial vehicles, like taxis. Since drivers for ridesharing companies use their own cars, or cars leased to them by the ridesharing companies, the legal issues involved with insurance in several states has been unclear. A new ruling pertaining to Arizona state rideshare insurance has just been put in place, however, and it is helping to clarify some of the complicated issues involved in the brave new world of ridesharing and the legal protections required.

New Insurance Bill Passed in Arizona for Ridesharing

While Uber and Lyft allowed many drivers to start driving for money without actually having a commercial license, the sticking point in states like Arizona has been the issue of commercial insurance, or lack thereof. Up until now, if a rideshare driver was in an accident, their own personal insurance coverage would not cover the costs of any damage or injury. Due to this, last year Arizona a bill was passed regarding Arizona state rideshare insurance that required rideshare drivers to carry commercial insurance.

The commercial insurance requirement bill seemed to solve the problem in Arizona of rideshare drivers being underinsured in case of accident, but ultimately it was cost prohibitive. To solve this, new legislation has been put in place that, while still requiring rideshare drivers to have commercial insurance, it can now be purchased as an add-on to their personal insurance policies.

There are now also similar laws passed in California and Colorado that cover the issue of having proper insurance in place for rideshare drivers. This has all come about due to the ongoing growth of the rideshare industry, and the many jobs it has created with its smartphone apps.

Arizona now sees itself in the forefront of states that are dealing head on with the complex issues involved with making ridesharing safe and legal, without hurting an industry that is quickly adding new jobs in the southwest. Arizona state rideshare insurance is definitely a breakthrough in legislation governing Uber, Lyft and other ridesharing app companies.

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

 

Adot Uber Changes

In recent years, the rapid ascent of Uber and Lyft has angered professional taxi drivers across the country, making them feel as if Uber and Lyft drivers have had unfair advantages due to a lack of regulations at the state and national levels.  However, as more complaints have poured in over recent months, one state that has taken action is Arizona.  The state’s Department of Transportation recently implemented numerous changes in the insurance requirements for Uber and Lyft drivers, with many of the drivers voicing their displeasure with the ADOT Uber changes.

Financial Responsibilities
What has set Uber and Lyft drivers apart from professional taxi drivers has been the large gap in financial responsibilities placed on the drivers.  As of July 3, 2015 those responsibilities changed dramatically, with the ADOT Uber changes making sure the playing field is level for everyone in the industry.  As of that date, Uber and Lyft drivers operating vehicles seating no more than eight passengers will be required to carry motor vehicle liability policies containing minimum coverage as well as uninsured motorist coverage in the amount of $250,000.

Software Applications
Because Uber and Lyft drivers rely on computer software to link up with those needing rides, insurance coverage will be critical when they are logged into their business software.  When a driver is logged into the software and actively available to provide transportation to customers, they are now required to maintain commercial coverage amounts of $25,000/$50,000/$20,000 as well as uninsured motorist insurance of $250,000.

Other ADOT Uber Changes
To make sure the insurance requirements are being met by Uber and Lyft drivers, ADOT has slightly changed the way it will conduct inspections of vehicles.  Random inspections and audits will be conducted every three years, rather than annually.  While seen by some as less stringent, others view it as a positive step toward getting Uber and Lyft drivers in line with more traditional taxi drivers and companies.  Working with insurance companies, other ADOT Uber changes include the provision that a motor vehicle insurance policy which has been in effect for at least 60 days may not be cancelled unless the person named on the policy is covered by a motor vehicle liability policy from another insurer.

While some Uber and Lyft drivers may object to these changes, taxi drivers working for traditional companies see the changes as a positive step in the right direction.  As more and more customers look to Uber and Lyft for rides, other changes may be necessary in the years ahead

Best regards,

 Gary Hanson

Professional Insurance Strategies, LLC

6708 W. Bethany Home Rd

Glendale, AZ 85301

 

ghanson@proinsgroup.com

602-481-0161

623-551-6716 Fax

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