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:
Physical Address: 2822 W Northern Ave. • Phoenix, AZ 85051
Mailing Address: 3655 W Anthem Way Ste. A 109 #283 • Anthem, AZ 85086
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Non-Emergency Medical Transportation Insurance or NEMT Insurance

Non-Emergency Medical Transportation Insurance or NEMT

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.
Best regards,
Gary Hanson
Professional Insurance Strategies
P: (602) 481-0161 • F: (623) 463-9001 • E: 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

Insurance For Limos

Carrying liability insurance is mandatory for limousine drivers in almost every state throughout the United States; however, most limousine owners will purchase more insurance due to the value of their limousines, among other factors. There are more requirements pertaining to insurance for limos in Arizona, Nevada, and New Mexico, when compared to other states.

Quick Insurance Facts

Some quick facts that limousine owners in Arizona, Nevada, and New Mexico should know include the fact that an insurance policy for all limousine companies in these states must be at least $300,000 – this amount could be more, depending on the capacity (number of passengers) of the limousine. Insurance for limousines must also cover the following:

  • Coverage against uninsured motorists, as well as under-insured motorists
  • Personal liability
  • Property damage

Available Insurance for Limousines

There are a variety of options available for limo owners in Arizona, Nevada, and New Mexico. Some of the insurance for limos in these states include:

Limited liability protects the driver and limousine owner from the cost of damage to the property of another person. Claims against the policy holder are also covered with limited liability insurance. Bodily injury – or property damage – is typically covered under limited liability insurance.

Full coverage insurance is also known as Collision and Comprehensive coverage. This insurance for limos protects the insured limo against damage that is caused by most objects, as well as other vehicles.

Other insurance for limos include:

  • Excess/Umbrella Liability
  • Physical Damage
  • Property Damage
  • Worker’s Compensation

Even though the insurance will cover the damages, the limousine owner is typically responsible for a deductible – this is the case with Collision and Comprehensive coverage. Limo owners should verify the deductible amount prior to purchasing the insurance for limos. After the deductible has been paid, the balance is then covered by the insurance company.

Stay Covered

It is important that limousine owners follow the insurance regulations that are set in place in Arizona, Nevada, and New Mexico; failing to do so could lead to fines, loss of license, possible lawsuits, and more negative consequences that could affect the limo business.

To ensure that the laws set in place pertaining to insurance for limousines are followed, these states mandate that the weight and measurements for all limos are checked to verify that they are properly insured. There are also investigators that are specifically assigned to vehicles for hire; ensuring the safety of Arizona, Nevada, and New Mexico citizens.