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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Insurance For Taxi In Phoenix, Az, Nevada, New Mexico

Selecting the insurance best suited to your taxi company can be rather daunting.  This article provides a brief explanation for each type of coverage available to those seeking insurance for a taxi in AZ.  Whether in the process of opening a taxi business or running an existing service, insurance coverage safeguards against negative financial repercussions should you experience or cause harm or damage to others while operating your business. Without a customized policy, you jeopardize your entire personal and professional financial foundation.

Liability Insurance For a Taxi In AZ
Any taxi business located within the United States, by law, must carry liability insurance for legal operation, although each state varies slightly in coverage stipulations.  Liability insurance splits into two categories:  property damage and bodily harm.  Coverage on insurance for a taxi in AZ also requires a mandatory monetary minimum amount.

Liability Coverage For Bodily Harm To Others:  Should your taxi cause an accident where another person becomes harmed, the bodily harm portion of liability insurance covers many expenses incurred during the persons recovery process i.e., hospital charges, prescriptions, medical appointment fees.

Liability Coverage For Property Damage To Others: Should an accident caused by your taxi inflict damage to another person’s property or automobile, the property damage portion covers expenses such as auto rental and property estimate fees.</li>

Additional Insurance Coverage Options:

Uninsured/Under-insured Motorist Insurance: This provides coverage, should another driver cause the accident yet carry little or insufficient liability. Although illegal, many drivers on our roadways operate without insurance of any kind. This policy also covers your expenses when an illegal driver causes the occurrence.

Collision Insurance: Should your taxi become damaged or inoperable due to an accident caused by another person, collision insurance covers expenses such as complete replacement of a vehicle or massive repair amounts.

Comprehensive Insurance: Comprehensive coverage includes unforeseen complications such as flood, fire or vandalism, damaged windows.

Property Damage Insurance:  This policy covers expenses should you cause an accident which damages another person’s property i.e., building/structural, town or city call boxes, hydrants, fencing.

Commercial Vehicle Insurance: Structured to provide additional overall coverage to your commercial business, small or large.

Physical Damage Insurance: A policy for those businesses seeking additional coverage for situations such as vehicles still under contract or lien.

Medical Expenses Insurance: A policy covering medical expenses for yourself and family members as well as passenger expenses incurred during an accident.</li>

A licensed professional brings a thorough knowledge of any state and federal mandates regarding insurance for a taxi in AZ.  Because each policy specification varies, a skilled agent can explain any additional policy structures available and combines the best coverage for your particular business needs, i.e. deductibles, benefit amounts. If you provide taxi services in AZ or are thinking of starting, you should make sure that you have the proper insurance coverage to protect your business.

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