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

Limousine Insurance Arizona, Colorado, California, Nevada, New Mexico

Do you own a limousine company? You use your limos to drive teenagers to the prom, members of wedding parties to receptions and more. It’s necessary to get insurance for the type of driving you do. Check out the details on the various types of limousine insurance suitable for this type of company.

Factors That Affect the Amount and Type of Insurance You Purchase

The type of limousine insurance you purchase along with the amount depends on the size of your company. For instance, if you have a limousine company with several drivers and several limos, you’ll need more insurance and specific types such as employment practices liability insurance.

Alternatively, if you own a limousine company and you’re the only driver, then you wouldn’t need insurance for employees. So, you wouldn’t have to purchase as much as much insurance as larger companies. Of course, you could always adjust your plan as your business grows.

Personal Injury Insurance

If your limousine is involved in an accident, this type of insurance covers expenses related to injuries. This coverage includes medical bills, lost salary, rehab and even the costs of a funeral. This type of insurance can also cover accidents involving pedestrians regardless of who made the mistake.

Employment Practices Liability Insurance

This type of limousine insurance protects your company if an employee makes a damaging accusation. For example, this insurance would come into play if you were accused of sexual harassment or wrongful termination.

Bodily Injury Insurance

This insurance serves your company by insuring your drivers in case one of them is at fault for an accident. This type of insurance covers fees for attorneys in the event of a lawsuit against your company. Plus, it covers medical bills and rehabilitation expenses. Not every state requires this type of insurance, but it is useful to have in the event of an accident where your driver is found to be at fault.

Property Damage Liability

This type of limousine insurance covers property damage that occurs on the job. This would be damage caused by you or one of your drivers. Coverage includes attorney and other legal fees if your company is taken to court by the person whose property was damaged.

One of the best ways to find out exactly what type of limousine insurance you need is to check with an experienced agent who provides commercial auto insurance.

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

Arizona Taxi Insurance Requirements

Whether you are an established taxi driver or are thinking about becoming a taxi driver, you’ll want to understand the most current state laws regarding Arizona taxi insurance requirements. Having the right type of taxi insurance in the right amount of coverage can make the difference between being able to stay in service or going out of business.

The state authority for taxi licensing, regulation, and insurance requirements is the Arizona Department of Weights and Measures. Arizona Revised Statute 41-2051 defines a taxi as any vehicle registered as a taxi that offers local transportation of passengers based on a fare determined for the distance traveled. The financial responsibility pertaining to Arizona taxi insurance requirements was established with the addition of section 28-4039 under Section 8, Title 28, Chapter 9, Article 2, within the Arizona Revised Statutes House Bill HB2135 passed on April 9, 2015.

STANDARD LEVELS FOR ARIZONA TAXI INSURANCE REQUIREMENTS
The revised statute for Arizona taxi insurance requirements determined two different levels of standard responsibility.

Standard Level One
The first standard level is for taxi drivers on duty but not transporting any passengers. For this level, the taxi driver or the taxi company must maintain primary commercial vehicle liability coverage in the following amounts.
• $25,000 for bodily injury or death of one person resulting from one accident
• $50,000 for bodily injury or death of two or more persons resulting from one accident
• $20,000 for the destruction of or injury to the property of another person resulting from one accident

Standard Level Two
The second standard level is for taxi drivers providing transportation for passengers. For this level, the taxi driver or the taxi company must maintain primary commercial vehicle coverage in the following minimum amounts.
• $250,000 for vehicle liability insurance
• $250,000 for uninsured motorist coverage

In addition to having the required insurance coverage, a taxi driver must carry proof of required insurance in the taxi during all the time that the driver is available for transporting passengers. In the event that the taxi is involved in an accident, the taxi driver must provide the insurance information to all of the parties involved in the accident. The taxi driver also has the responsibility to notify the main office of the taxi company about the accident.

The above information is a summary of the Arizona taxi insurance requirements. While the state does not mandate comprehensive coverage, taxi drivers can purchase this type of coverage for damage or vandalism done to their commercial vehicles. Other commercial taxi-related insurance policies can be purchased to cover theft of business-related equipment such as a GPS or fare meters.

Adhering to the state insurance requirements is the best way to be assured that the taxi drivers, the taxi companies, the passengers, and the vehicles are protected if there is an accident.

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

Arizona Taxi Insurance Requirements

In today’s world, it’s more important than ever to have adequate insurance coverage. This is especially true for taxi drivers, who can find themselves facing a variety of situations while on the road day after day. However, with the Arizona taxi insurance requirements changing in many ways over the past several years, it may be hard to understand the current requirements. If you are planning to become a taxi driver and need to know Arizona taxi insurance requirements, here are some of the most important details.

Liability Insurance
Since all vehicles in Arizona are required to carry basic liability insurance, this naturally applies to taxis. Protecting the driver against the cost of damage to property or other people, it can be a crucial piece of protection in the event of an accident.

Uninsured and Underinsured Coverage
If a person who is responsible for the accident does not have insurance coverage or does not have enough insurance to cover the cost of damages, you’ll need to carry uninsured or underinsured insurance to make sure the costs of damages are covered. A very important aspect of Arizona taxi insurance requirements, it is mandatory that all drivers in Arizona have this type of insurance.

Comprehensive Coverage
Covering damage that is caused by something such as a hail storm or vandalism, comprehensive coverage is essentially an umbrella policy that covers almost anything else not covered under basic liability insurance. However, this insurance does carry a deductible with it, often averaging about $500. After the insured driver pays their amount of the damages, the insurance coverage pays the balance.

Collision Insurance
If your taxi happens to have a collision with another vehicle or strikes an object such as a deer, collision insurance can cover the damages. Although usually part of what’s known as Full Coverage insurance, it falls under Arizona taxi insurance requirements for those wanting to drive a cab.

Passenger Capacity
As for the dollar amount of insurance Arizona taxi drivers are required to have on their vehicles, it can vary depending upon the passenger capacity. However, since most vehicles will be holding no more than three passengers, the amount of insurance is usually set at a minimum of $300,000. While more coverage can be purchased, most taxis go with this amount.

By making sure they have enough insurance for their vehicles, Arizona taxi drivers can be assured they will have protection in the event of an accident.

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

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

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

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