Patients in the back seat need the right coverage.
Commercial auto, professional and general liability, abuse coverage and workers' comp for non-emergency medical transportation, wheelchair van and ambulance companies.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Transportation and patient care
NEMT and ambulance companies carry auto risk on every trip and professional risk when drivers help passengers in and out of vehicles. Brokers, Medi-Cal plans and facilities set insurance requirements before you can take their trips.
Specialty programs package auto liability, physical damage, professional and general liability, and abuse coverage for transportation providers. I place them with markets that write the class.
- Commercial autoLiability and physical damage for vans and ambulances.
- Professional liabilityInjuries while assisting passengers.
- Abuse and molestationVulnerable passengers in your care.
- Workers' compDrivers and attendants.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Fleet: vehicles, types and values.
- Drivers: number, experience and background checks.
- Services: NEMT, wheelchair or ambulance.
- Contracts: broker or facility insurance requirements.
- Revenue and payroll: annual figures.
- History: current policies and loss runs.
NEMT insurance, answered
Why do NEMT companies need professional liability?
Many claims come from helping passengers, such as a fall during a wheelchair transfer, which auto liability may not cover.
What limits do brokers require?
Requirements vary by broker and plan. Send me the contract and I'll match it.
Is abuse coverage necessary?
For transporting vulnerable passengers, it's often required and many general liability policies exclude it.
Can a new NEMT company get coverage?
Yes, through specialty programs. Driver experience and training help.
Do you offer NEMT and ambulance insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see truck insurance by state or insurance requirements by state.
Send your fleet. I'll shop it.
Vehicles, drivers and your contract requirements are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.