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2 weeks ago · by · 0 comments

Non-Emergency Medical Transportation Insurance 101: All you need to know

Managing a transportation business is not easy. Not only do you have to keep a track of the automobiles, but also, the passengers. The risk grows even more if a business handles non- emergency medical transportation (NEMT). This is why, learn how applying for non-emergency medical transportation insurance can simplify your business operations, minimize your financial liabilities and also, protect you from unpleasant surprises.

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2 months ago · by · 0 comments

Limousine Insurance that will protect you, your drivers and your business


Limousine Insurance that will protect you, your drivers and your business

Your limousine customers expect reliable service from your, whether you are taking them from the airport or transporting them and their guests around town. Just like how you have insurance on your personal car, the vehicles you have for work must be insured as well.

When you have a problem with your limo, you need it fixed quickly to be able to get back on the road. You will need to be covered if a serious accident leaves you or your drivers exposed to a large liability claim.

As your independent insurance agent we will find you the best insurance policy at an affordable cost for your area. We will work with you to find a commercial auto insurance policy that will match your specific needs of limo services. Because your business involves transportation of people, you will need coverage that protects your passengers and coverage for if there is a liability claim.

Types of limo insurance you may need

Personal injury limousine insurance: This will cover the cost of accidents where injuries occur involving your limousine. It can include but is not limited to medical bills, lost wages and funeral costs.

Collision and comprehensive coverage: That is a straight-forward coverage that will cover the cost if there is an accident. Comprehensive coverage will cover the cost of theft, fire, vandalism and many other damages.

Uninsured and underinsured coverage: This provides coverage for if you are in an accident and the other driver is at fault but does not have sufficient coverage to pay the cost. This type of coverage is required in many states. Your agent will make you aware if it is required.

Employment practices liability: In the case of your company being accused of sexual harassment, wrongful termination or discrimnation, this type of insurance will protect your business.

Property damage liability: Property damage liability covers property damage that you or your drivers cause while on the job. This will go towards legal fees up to the limits of your policy if you are taken to court.

Ways to save on your limo insurance

  • Hire experienced and qualified drivers with excellent driving records
  • Maintain a good credit score
  • Require all drivers to take a safety driving course
  • Find discounts that you qualify for such as claims-free discounts

Professional Insurance Strategies will make sure your, your drivers and your business is properly covered. Request a quote today and we will find you the best policy at an affordable rate.

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3 months ago · by · 0 comments

How does pricing for NEMT insurance work?

NEMT Insurance, Phoenix AZ

Non-emergency medical transportation auto insurance commonly known as NEMT insurance is important for companies to find and maintain the right amount of insurance to make sure your business, employees and customers are all protected without breaking the bank.

So first – what is NEMT insurance? NEMT Insurance refers to the minimum requirements for commercial auto insurance to first meet state minimums for transporting passengers. Oftentimes NEMT brokers are required to have more than the minimum liability coverage to work for them.

Second – how does pricing for NEMT insurance work?
Insurance rates are all about evaluating risk. How likely is your organization to make an insurance claim? What is the likely severity of the claim? How are those risks multiplied across the number of personnel and vehicles that make up your organization? Once these and other parameters are established, a pricing structure comes into play that weighs risk factors and correlates them with a monetary value.

The various risk factors for a NEMT provider can generally be divided into these categories: direct factors, number of vehicles/personnel, types of vehicles, location, historical factors, experience level, driving record, forward-looking factors, vehicle maintenance and training.

Direct factors for NEMT insurance are those with the most set in stone rate structure. Number of vehicles/personnel have a large role in your rate because the more vehicles in your fleet, the higher your insurance rates will be. Also, the amount of people you employ will also be factored into the rate.

The types of vehicles you are having insured will also play a large role in your insurance rate. For example, ambulatory vehicles, wheelchair vehicles and stretcher vehicles each have different types of risks. For example, stretcher and wheelchair vehicles have a greater risk of a passenger being injured if in an accident so the insurance rates will be higher on these types of vehicles. The greater the risk the higher your insurance rate will be.

Location factors into NEMT insurance rates, just like on your personal auto insurance. Each state and counties have their own laws and regulations when it comes to insurance requirements. They take into account different geographic concerns, such as the region’s physical attributes and drivers dangers. Just like personal auto insurance – the same vehicle, same person and same insurance provider could be different in one area of the country versus another.

Historical factors refers to drivers past records. The history of your staff’s driving records play a huge role in evaluating your company’s risk and setting insurance rates. Essentially you have control over these factors.

The experience level of the owner of the company will impact the NEMT insurance rates. If the company has had a proven record of running a safe transportation company then that will help the insurance rates to go down. For a new business just starting off, since they don’t have a record yet the risk is greater for the insurance companies so the rates will be higher. Also, if a long standing NEMT company has a poor record, the insurance rates will rise.

Driving records play a large factor in NEMT insurance rates. Each and every driver you employ will have their driving records evaluated thoroughly by the insurance company. A clean driving record will lead to lower rates while past accidents or incidents will cause rates to rise. Anything from a speeding ticket, moving violations, and accidents will be factored in.

Direct factors and historical factors are analyzed by the insurance company to gauge the likelihood that an insurance claim will be made in the future. NEMT insurance providers take a careful look at forward-looking factors evaluating the likelihood of future risks. If future risks are high, insurance rates will be higher.

Vehicle maintenance is huge. If you have a good fleet of vehicles that are well-maintained they are less likely to be involved in accidents due to the safety and performance of the vehicle. Just like with personal insurance this is why new vehicles typically cost less to insure than pre-owned vehicles. By keeping up with your company’s vehicle maintenance program and taking the correct steps to ensure strong commitment to that program shows NEMT providers that you are committed to safe vehicle operators for years to come. This lessens your future risk and shows the provider that future claims are less likely. The lower the risk for future claims, the insurance rates will go down.

Continuous training for your employees is factored into NEMT insurance. There is a wide variety of training courses that can better prepare your drivers to help avoid different situations. For example, by taking part in different training sessions it will help your staff know how to take the correct steps to secure a wheelchair in the vehicle before driving or by taking a defensive driving course, they will have a better understanding on how to deal with unexpected things that occur on the road. Demonstrating these completed training courses to the insurance providers will help bring down your rates.

There are a lot of factors and components that go into NEMT insurance costs – some that you can control and some that you cannot. Our team here at Professional Insurance Strategies know the ins and outs of NEMT insurance and will make sure you have the best coverage at the best rate possible. Please contact us today to learn more or to receive a quote!

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5 months ago · by · 2 comments · Featured

Cab Insurance Phoenix Arizona

Cab Insurance

Cab drivers interested in starting their own business should think about investing in quality taxi insurance to make the most of their business opportunities in Phoenix, Arizona. When cab drivers invest in insurance, they are providing their clients with quality peace of mind. They can help set themselves apart from other professionals in the field by providing their clients with additional benefits. However, there are many different types of insurance that professionals can choose to invest in and knowing what to expect can allow these specialists to make the right choice. Learn about some of the following types of taxi insurance to see how you can optimize your business approach.

Third Party Insurance

A taxi that has third party only insurance will be working with an insurance obligation that is the lowest type legally allowed for the driver. It is the cheapest type of insurance that the cab driver can choose, and it cannot be used to cover personal damages or other important costs. It can be a good idea for entry drivers and those who are interested in a quick start to the field, but eventually individuals will need to invest in other, stronger types of insurance.

Breakdown Recovery

When professionals are ready to expand their operations, it is strongly recommended for them to investigate breakdown recovery insurance. This is a must have for taxi drivers, as breakdown recovery insurance can help provide drivers with necessary support when their vehicles break down. For driving that taxi drivers will be doing when compared to other motorists, this type of insurance ends up paying for itself, especially after a lengthy career.

Public Liability

All motorists should be sure to invest in some type of public liability coverage. This is a more advanced option for the vehicle, and the greater that the coverage is, the more expensive it will get. However, if you ever find yourself in a position where you will be liable for different types of damages in court, this taxi insurance will help clarify your position.

Comprehensive Coverage

Finally, and perhaps most importantly, drivers should consider investing in comprehensive coverage. This is generally believed to be the most beneficial type of taxi insurance coverage that taxi drivers need in Phoenix, Arizona. The comprehensive coverage will offer insurance for just about all types of road accidents, no matter whether the driver is held liable or not. The driver will be able to make claims for things such as theft, vandalism, and other events. 

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5 months ago · by · 0 comments

ADOT Uber Changes

In recent years, the rapid ascent of Uber and Lyft has angered professional taxi drivers across the country, making them feel as if Uber and Lyft drivers have had unfair advantages due to a lack of regulations at the state and national levels. However, as more complaints have poured in over recent months, one state that has taken action is Arizona. The state’s Department of Transportation recently implemented numerous changes in the insurance requirements for Uber and Lyft drivers, with many of the drivers voicing their displeasure with the ADOT Uber changes.

Financial Responsibilities

What has set Uber and Lyft drivers apart from professional taxi drivers has been the large gap in financial responsibilities placed on the drivers. As of July 3, 2015, those responsibilities changed dramatically, with the ADOT Uber changes making sure the playing field is level for everyone in the industry. As of that date, Uber and Lyft drivers operating vehicles seating no more than eight passengers will be required to carry motor vehicle liability policies containing minimum coverage as well as uninsured motorist coverage in the amount of $250,000.

Software Applications

Because Uber and Lyft drivers rely on computer software to link up with those needing rides, insurance coverage will be critical when they are logged into their business software. When a driver is logged into the software and actively available to provide transportation to customers, they are now required to maintain commercial coverage amounts of $25,000/$50,000/$20,000 as well as uninsured motorist insurance of $250,000.

Other ADOT Uber Changes

To make sure the insurance requirements are being met by Uber and Lyft drivers, ADOT has slightly changed the way it will conduct inspections of vehicles. Random inspections and audits will be conducted every three years, rather than annually. While seen by some as less stringent, others view it as a positive step toward getting Uber and Lyft drivers in line with more traditional taxi drivers and companies. Working with insurance companies, other ADOT Uber changes include the provision that a motor vehicle insurance policy which has been in effect for at least 60 days may not be cancelled unless the person named on the policy is covered by a motor vehicle liability policy from another insurer.

While some Uber and Lyft drivers may object to these changes, taxi drivers working for traditional companies see the changes as a positive step in the right direction. As more and more customers look to Uber and Lyft for rides, other changes may be necessary in the years ahead.

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5 months ago · by · 0 comments

Arizona State Rideshare Insurance

Rideshare Insurance

Today, ridesharing is more popular than ever, with companies like Uber and Lyft taking over a large part of the commercial driving business that was once only inhabited by traditional (and more expensive) taxi companies.

Today, many people are avoiding the stress of dealing with traffic and of driving home from social events that involve drinking by utilizing rideshare companies. These new companies have seen explosive growth in recent times as they are easy to use and offer a largely safe and affordable alternative to taxis or driving a car.

One of the big issues involved in the growth of these newer ride sharing companies, however, is how they fit into the legal landscape once ruled only by the laws concerning commercial vehicles, like taxis. Since drivers for ridesharing companies use their own cars, or cars leased to them by the ridesharing companies, the legal issues involved with insurance in several states has been unclear. A new ruling pertaining to Arizona state rideshare insurance has just been put in place, however, and it is helping to clarify some of the complicated issues involved in the brave new world of ridesharing and the legal protections required.

New Insurance Bill Passed in Arizona for Ridesharing

While Uber and Lyft allowed many drivers to start driving for money without actually having a commercial license, the sticking point in states like Arizona has been the issue of commercial insurance, or lack thereof. Up until now, if a rideshare driver was in an accident, their own personal insurance coverage would not cover the costs of any damage or injury. Due to this, last year Arizona a bill was passed regarding Arizona state rideshare insurance that required rideshare drivers to carry commercial insurance.

The commercial insurance requirement bill seemed to solve the problem in Arizona of rideshare drivers being underinsured in case of accident, but ultimately it was cost prohibitive. To solve this, new legislation has been put in place that, while still requiring rideshare drivers to have commercial insurance, it can now be purchased as an add-on to their personal insurance policies.

There are now also similar laws passed in California and Colorado that cover the issue of having proper insurance in place for rideshare drivers. This has all come about due to the ongoing growth of the rideshare industry, and the many jobs it has created with its smartphone apps.

Arizona now sees itself in the forefront of states that are dealing head on with the complex issues involved with making ridesharing safe and legal, without hurting an industry that is quickly adding new jobs in the southwest. Arizona state rideshare insurance is a breakthrough in legislation governing Uber, Lyft and other ridesharing app companies.

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5 months ago · by · 0 comments

Does Arizona Require Commercial Driver’s License for A TNC

Commercial Driver

Transportation network companies, otherwise known as TNCs, are becoming increasingly popular, and this includes companies like Lyft, Uber and Total Transit, to name a few. These companies each have unique reservation or transportation request methods, and they provide individuals with a fast, convenient, and generally affordable way to get from one location to another. If you are thinking about becoming a TNC driver or if you are already a driver with one of these companies, you may wonder about licensing requirements. Does Arizona require commercial driver’s license for a TNC?

Licensing Requirements

The question of does Arizona require commercial driver’s license for a TNC is an increasingly common one, and this is because many people are using a TNC driving job as a way to make extra money on the side or even to earn a full-time living with flexible work hours. All drivers are required to have a driver’s license that is appropriate for the type of vehicle they are driving. Most will be driving their own private car, truck, or SUV, so a standard driver’s license will suffice. However, there are insurance requirements that must be met for a TNC job.

The Basic Insurance Requirements

There are some insurance requirements in place for TNC drivers in Arizona. When providing personal transportation, the driver must maintain a liability policy of 25/50/20. This means that it provides $25,000 in benefits for bodily injury or death to one person, $50,000 for bodily injury or death to two or more people and $20,000 for personal property damage coverage. There are other requirements in place for TNC drivers in Arizona as well. For example, drivers must have a commercial liability policy of at least $250,000 per incident and insured motorist coverage of at least $250,000 per incident. Proof of coverage should always be in the driver’s possession the vehicle is in operation for commercial purposes.

To be in legal compliance on the road, drivers must be properly licensed as well as insured. Therefore, it is important to ask does Arizona require commercial driver’s license for a TNC. Those who are thinking about becoming a TNC driver in Arizona can consider these points for both licenses and insurance before starting a new job. The licensing status and insurance will need to remain active while the driver is working for a TNC in Arizona.

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5 months ago · by · 0 comments

Cab Insurance Arizona

Taxi Image

Operating a taxi can be a great way to make money in Arizona. People are always in need of rides to bars, to the airport or wherever else they need to go. However, it is important that you have sufficient insurance if you want to operate a legal taxi company or drive your own taxi within the law.

Cab Insurance Arizona Requirements

If you are going to operate a taxi in the state of Arizona, you must carry $250,000 of primary commercial coverage in addition to $250,000 of uninsured motorist coverage. However, this is only during times in which you are transporting a paying customer. Proof of insurance must always be carried and presented upon request to anyone who asks for it.

Cab insurance Arizona requirements when not transporting customers

If you are driving a taxi in the state of Arizona without any passengers inside, your insurance requirements are the same as any other driver. This means that you only have to carry $25,000 of general liability for a single person and $50,000 to cover two or more people hurt in an accident. Furthermore, you must carry $20,000 of coverage to pay for any property damage that may occur in an accident.

What happens after an accident?

If you get into an accident while driving a cab, an investigation will be performed. You are responsible for presenting proof of insurance and meeting all other requirements to act as a taxi driver or operator. Your cab insurance Arizona provider is also required to provide any information that would help an investigation proceed. After an investigation is complete, one party will be deemed to have been at fault, and legal proceedings may take place if applicable.

What happens if your commercial insurance policy lapses?

If your insurance lapses, you must either get a new policy or stop operating as a taxi. Your insurance company may allow you to renew your coverage automatically or otherwise alert you to the fact that your policy will lapse well before it happens. This gives you ample time to ensure that your policy remains valid.

Whenever you operate a motor vehicle whether for private or commercial purposes, don’t forget to have adequate insurance. It will help you avoid financial and legal penalties that can harm your personal finances as well as your ability to make a living driving your car.

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5 months ago · by · 0 comments

What Insurance Companies Are Competitive for Livery

Livery Transportation Insurance

When it comes to the business of transportation, one of the most important aspects of these businesses involves having the proper insurance coverage. For those who operate commercial limousine services, bus charter services, or have a fleet of vehicles for other purposes, having livery insurance makes sense in several ways. Because these businesses rely on dealing with a wide variety of people daily, it’s virtually inevitable that situations will happen that result in the need for livery insurance coverage. To know what insurance companies are competitive for livery, there are a number of factors to take into consideration.

Coverage Limits

When a business owner is attempting to decide on the proper livery insurance, one of the first things to take into consideration is coverage limits. Whether a business has only one limo or a multitude of vehicles, knowing what insurance companies are competitive for livery can provide coverage limits from $5 million up to as much as $20 million, ensuring any business can be protected in the event an incident happens.

A Variety of Services

For businesses that need insurance, determining what insurance companies are competitive for livery involves knowing what services are available. Some of the most common services used by personal transportation businesses include:

  • Bodily Injury and Property Damage
  • Physical Damage
  • General Liability
  • Garage Liability

Within these different types of coverage, some of the key components include uninsured motorist coverage, underinsured motorist coverage, medical payments, and personal injury protection.

Knowledge and Experience

Perhaps most of all, knowing what insurance companies are competitive for livery includes working with an insurance broker who has the knowledge and experience needed in this specialized area of insurance. By doing so, an agent can talk with you about the specific needs of your business, then tailor a policy that ensures as much coverage as possible for numerous situations. In addition to this, the best agents are often independent, allowing them to work with several different companies in order to get the best deals for their customers.

Contact an Agent Today

To have a complete understanding of what insurance companies are competitive for livery, the best thing to do is contact a knowledgeable and experienced insurance agent. By doing so, you and your business can begin to discover the many aspects of livery insurance, all of which can help protect your business in the event an accident or other incident occurs. Professional Insurance Strategies will help you with this.

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5 months ago · by · 0 comments

Non-Emergency Medical Transportation Insurance or NEMT Insurance

NEMT Insurance

Ever since the passing of the Affordable Care Act, the federal law commonly referred to as “Obamacare,” more business opportunities have emerged for providers of ancillary services such as patient transportation. In states with higher populations of retirees, demand for patient transportation services has dramatically increased as Medicare as well as other subsidized programs.

In the Obamacare era, patient transportation services are thriving. Inquiries for non-emergency medical transportation insurance for Arizona, Nevada and California are at an all-time high due to ongoing demand. Companies are investing in updated vehicle fleets; they are also incorporating features such as mobile apps for the purpose of offering more convenience to patients.
Getting patients safely from medical facilities and their residences and vice versa is an important benefit that health management organizations have always supported. In the history of Medicaid, the practice of arranging special transportation for patients dates back to 1966, when it was made part of an Early Screening strategy, which intends of lower the financial burden of public health services by making sure that patients do not have transportation obstacles when getting treatment. By providing non-emergency transportation, patients are encouraged to keep their medical appointments; this is part of an overall strategy to keep the population healthy.

Coverage of transportation fees will vary according to the insurance plan; for example, non-emergency ambulance transportation will be fully covered by Medicare for patients who are being treated for end-stage renal disease, which means that they will need dialysis sessions a few times per week. Furthermore, Medicare will cover non-urgent transportation in just about all cases when physicians take the time to write the need for such arrangements as part of the treatment plan.

Patients who are on the Part B Medicare program may have to pay 20 percent out of pocket for transportation; these are typically patients who require occasional services. For other patients who obtain insurance from the state or federal insurance marketplaces, similar conditions will apply.
Having adequate non-emergency medical transportation insurance for Arizona, Nevada and California is vital for entrepreneurs who plan to enter this lucrative segment. The liabilities are considerably higher when compared to other transportation services such as those provided by limousine operators. Non-emergency medical transportation insurance for Arizona, Nevada and California is not as costly as some people may think; a key element to scoring lower premiums is to follow the advice of insurance agents with regard to installing special equipment to keep patients safe.

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