Nemt Insurance, Arizona -Non Emergency Medical Transportation Insurance

Non-Emergency Medical Transportation Insurance (Nemt)
Insuring your fleet of business vehicles with an adequate amount of coverage is essential. In addition to buying a healthy policy with reasonable coverage limits, you need to choose the right type of coverage for your specific needs. The type of auto insurance coverage that is ideal or even required for your business varies depending on the type of business activities that they are used for. One of the more unique types of coverage available and one that may be essential for your fleet is NEMT insurance, or non-emergency medical transportation insurance.

What Is NEMT Insurance?
Non-emergency medical transportation insurance is intended for vans, cars and other vehicles that are used to transport senior citizens, special needs individuals and others who require special care while en route. Your business may be exposed to numerous risks that may not be a concern for other types of business-use vehicles. For example, these vehicles must be outfitted with special equipment, and this equipment should be covered by the insurance policy that you purchase. Liability risks related to those who your business is transporting and even liability and health concerns for your workers must be taken into account.

How This Coverage Works
NEMT Insurance is comprised of several types of coverage that your business needs. This includes your typical auto liability coverage as well as collision or comprehensive coverage for the vehicle. It goes beyond this to include general liability insurance and inland marine coverage, which provides benefits for special equipment in the vehicle. Property insurance for your business property that may be in the vehicle as well as an umbrella insurance component to protect your business against additional vehicle-related losses. Given the importance of being adequately insured, your business must have access to the high coverage limit that may be needed in your unique circumstances. Without suitable coverage, your business will be financially liable for all related expenses that are not covered with your insurance policy.

NEMT insurance policies may vary slightly from provider to provider. It is important to understand the differences in coverage inclusions and exclusions, and you should compare these against your needs. In addition, the insurer that you purchase coverage from should offer the high insurance coverage limits that your business may need. With this in mind, you need to assess your business’s needs before exploring the options and setting up NEMT insurance coverage that is suitable for those needs.

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 Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

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
Auto*Home*Life*Commercial*Bonds*Workers Compensation*Property

Non-Emergency Medical Transportation Insurance

Non-emergency medical transportation insurance is a type of insurance that helps to pay for the costs of transporting a patient for medical care when the situation is not an emergency. Some businesses may have different non-emergency medical transportation insurance requirements in order to have a license to operate. The non-emergency medical transportation insurance requirements may also vary based on the type of business, the patient occupancy rate and the types of conditions that the patients have. Understanding these insurance requirements could help a business manager to fulfill the requirements of the law, licensing organizations and patient care needs.

Non-Emergency Medical Transportation Insurance Requirements for Nursing Facilities
Skilled nursing facilities, also referred to as SNFs, may need to use non-emergency medical transportation when a patient needs outside services that are not available at the facility. For example, a patient may need a follow-up X-ray, dental care, eye exam or vaccination. The non-emergency medical transportation service would get the patient from the SNF to the medical provider safely and on-time. SNFs may need to have a non-emergency medical transportation provider available on a 24/7 basis in order to maintain the state licensing requirements.

Day Program Requirements for Non-emergency Medical Transportation Insurance
Some adults with disabilities may attend an adult day program. These programs offer respite services for full-time care providers and a means of socializing for the participants. Some of the participants may even perform paid work. From time to time, non-emergency medical transportation services may be needed. This may be the case if a patient needs to leave the day program in order to go to an appointment. In other cases, the non-emergency medical transportation is required in order to get the participant from his or her residence to the day program’s facility. Day programs should have non-emergency medical transportation insurance that covers their open hours and the number of participants they serve.

Residential Facilities
Adults with disabilities may live in a residential facility that houses up to 15 residents. These facilities have employees who come in to work, caring for the residents’ routine needs such as cooking, cleanup, medication administration, showering and getting dressed. When a patient has a doctor’s appointment, dentist appointment or needs to have some lab tests or an X-ray done, a non-emergency medical transport will be needed. Such facilities should maintain an adequate level of non-emergency medical transportation services based on their number of residents.

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