NEMT Insurance Arizona, California, and New Mexico

Are you interested in getting insurance for your non-emergency medical transportation business in Arizona, New Mexico or California? If so, you’ll want to get some quotes to see how much coverage you can get as well as what the cost will be. Non-Emergency Medical Transportation Insurance Quotes are based on the specific types of liabilities that are covered. It’s smart to look around and get several prices quotes before deciding on the one that’s best for your business. Consider a few of the typical liabilities that a NEMT insurance policy covers.

Auto Liability

This part of the policy covers your business if your non-emergency vehicle is in an accident. It also covers the passengers you are carrying. If your vehicle has special features such as a ramp or a lift for wheelchairs, these will figure into your non-emergency medical transportation insurance quotes. You want to give your insurance company a thorough description of the vehicles you use in the course of your business operations.

General Liability

Another typical item on this type of policy is general liability. This covers a whole host of incidents and protects your business. For instance, say you are helping a passenger cross a frozen sidewalk to get to your vehicle and the person slips and falls. This would be covered by general liability. Or, say a passenger is injured while getting in or out of a wheelchair. This is another instance where general liability coverage on your policy would prove very valuable to your business. Ask your insurance agent to explain some other typical scenarios covered by general liability.

Property Liability

Property liability coverage would cover systems related to your non-emergency transportation such as GPS equipment, computers and communication/dispatch devices connecting home base to your vehicles. Of course, it would also cover the building where your business is located and its furnishings.
Other typical items on this type of policy:

• Worker’s compensation
• Excess liability
• Auto physical damage

Lastly, the most important thing to keep in mind when looking at Non-Emergency Medical Transportation Insurance Quotes is to make sure you have all of the coverage you need on the policy. It helps to talk with an experienced insurance agent to discuss the specific needs of your NEMT business. If an accident occurs or someone is injured you want to make sure your business is protected.

Best regards,
Gary Hanson
Professional Insurance Strategies
P: (623) 463-9000 • F: (623) 463-9001 • E: ghanson@proinsgroup.com
2822 W Northern Ave. • Phoenix, AZ 85051
15331 W. Bell Rd, Ste 212, Surprise, AZ 85374
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
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Commercial Taxi Insurance Az

Your life as a commercial taxi driver may be relaxed and pleasant, and you may find it thoroughly enjoyable to spend your days driving through town and meeting new people. While this can be a lucrative, fun and fast-paced job that provide you with significant satisfaction, there are some rules and requirements that you must comply with. For example, you may be required to purchase commercial taxi insurance AZ as well as in areas throughout the southwestern United States. While required, your coverage can also be financially beneficial for you.

Why You Need Insurance
There are legal requirements that state that you must maintain an active commercial taxi insurance AZ policy, and other states also have a similar requirement. These requirements can change from time to time, so you may consider contacting an insurance agent or researching the requirements on your own. In addition to the state’s requirements, you may be required to maintain a policy if you have a car loan in place. Most lenders will require that you hold at least a replacement coverage policy for the loan amount.

What to Look For in an Insurance Policy
It is important that you understand what the legal and lender requirements are for commercial taxi insurance AZ. These should be viewed as a minimum requirement, and you may consider purchasing additional coverage. Liability coverage, for example, may be increased to decrease your financial loss if you are sued for damages after an accident. Towing coverage or rental car coverage can be financially beneficial if you have a serious breakdown. When you car is used for commercial purposes, you may also benefit from loss of income insurance. After all, if your vehicle is not able to be used for income-producing activities, you will not be able to produce income to pay your expenses. These are just some of the many types of coverage available to you, and you can learn more about the options and their costs by speaking with an insurance broker or representative.

Commercial taxi insurance AZ and throughout the region is important to hold. It will help you to remain compliant with local laws and with your lender’s insurance requirements. It also can beneficial to you if you have an accident, if your car is stolen and if other similar events occur. After you have learned more about the different requirements in place for you, you can begin shopping for your policy today.

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