NEMT stands for non-emergency medical transportation. Insurance is mandatory for any business that operates to provide patients the transportation to doctor appointments and hospital visits. Newt vehicles never have emergency lights or sirens. The businesses use vans or other vehicles to transport patients to receive medical services. NEMT insurance in Arizona, California, Colorado, and New Mexico are covered by carriers in those regions.
Insurance carriers will verify the vehicles used by businesses under the policy they issue. The insurance company will want to know the sizes and age of any vehicles used for the service. Any medical-related health equipment will be documented under the policy. The ages and driving histories of all drivers working with the business will be included.
Insurers will check to see if the company has filed any accident claims during past years operating the business. The distances traveled by the service will affect the insurance rates. The insurer will offer you a policy based on all this information.
Paying a policy in full could save 10 percent or more. Your company might save money by receiving discounts for good driving histories and no accidents filed in the past. All the information provided here can help your business save money.
NEMT Insurance in Arizona
Insurers will want to know all the information above for Newt insurance in Arizona. A patient transportation business will be provided special coverage for general liability up to $2,000,000. Auto liability is offered at the state minimum to $1,000,000 at combined single or split limits.
Your NEMT insurance in Arizona will include additional coverage for your business property should you need it. Medical equipment will be covered if you provide it with the business. The coverage will handle any replacement costs necessary for new equipment. Insurance will cover business vehicles with deductibles from $0 up to $5,000. Worker’s compensation insurance is offered for your business. Anything your business needs can be covered under Arizona regulations.
More About What NEMT Insurance Protects Against
The information already provided above protects patient transportation services in many other states including California, Colorado, and New Mexico. General liability will protect your business from legal actions including property damage and bodily injuries. It helps pay legal costs associated with lawyers, court fees or judgments against your business.
Professional liability covers your business against claims of negligence. It covers legal costs for bad or impaired driving. It covers claims against your business for negligent services under the policy.
Auto liability and property damage protect your business, drivers, and patients in the event of an accident that could involve injuries. Property damage covers vehicles or damages from your vehicles to property owned by others. It works as general auto liability does for everyone.
Worker’s compensation insurance takes care of medical expenses and replacement of wages lost when an employee has injuries from work or accident. You don’t have to worry about an employee trying to sue you for damages. It covers all of these insurance needs in almost every state including Colorado, New Mexico, Arizona, and California.
A Final Note
Talk to a licensed insurance agent in your area about your concerns with your patient transportation service. They can explain in detail on what type of policy you need to operate your business without any worries concerning topics discussed in this information.