Non Emergency Medical Transport

Tailored Coverage for Non-Emergency Medical Transport Businesses

As vendor contracts evolve, staying compliant and fully protected is more important than ever. S.W.A.N. Insurance specializes in Non-Emergency Medical Transport (NEMT) insurance, offering coverage that meets industry requirements and keeps your business moving safely. From auto liability to general liability and specialized protections, we provide insurance solutions designed exclusively for the NEMT and paratransit industry.

Why Choose S.W.A.N. Insurance for NEMT?

  • Preparation for a Captive. – Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.  
  • Compliance-Ready Coverage – Tailor your coverage to meet the contractual requirements of Managed Care Organizations (MCO’s)
  • Dedicated Claims Support – Our internal claims management team manages the claims process.  We understand the unique challenges of the NEMT industry.
  • Technology Platform for Driver Management
  • Fleet Safety & Risk Management – Gain access to a Certified Fleet Safety Consultant for proactive risk reduction.
  • Preparation for a Captive. – Create a 3 year plan with our Fleet safety programs, and financial assessment model.
  • Preparation for a Captive

Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.

  • Compliance-Ready Coverage

Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.

  • Dedicated Claims Support

Our internal claims management team manages the claims process. We understand the unique challenges of the NEMT industry.

  • Technology Platform for Driver Management
  • Fleet Safety & Risk Management

Gain access to a Certified Fleet Safety Consultant for proactive risk reduction.

  • Preparation for a Captive

Create a 3 year plan with our Fleet safety programs, and financial assessment model.

Access to Exclusive Insurance Programs

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Subject Matter Experts

Marc Crawford

Director of Transportation
NEMT Lead

Pilar Figueroa

Client Service Manager
NEMT Fleet Specialist

Tailored Coverage for Non-Emergency Medical Transport Businesses

As vendor contracts evolve, staying compliant and fully protected is more important than ever. S.W.A.N. Insurance specializes in Non-Emergency Medical Transport (NEMT) insurance, offering coverage that meets industry requirements and keeps your business moving safely. From auto liability to general liability and specialized protections, we provide insurance solutions designed exclusively for the NEMT and paratransit industry.

Why Choose S.W.A.N. Insurance for NEMT?

  • Preparation for a Captive. – Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.  
  • Compliance-Ready Coverage – Tailor your coverage to meet the contractual requirements of Managed Care Organizations (MCO’s)
  • Dedicated Claims Support – Our internal claims management team manages the claims process.  We understand the unique challenges of the NEMT industry.
  • Technology Platform for Driver Management
  • Fleet Safety & Risk Management – Gain access to a Certified Fleet Safety Consultant for proactive risk reduction.
  • Preparation for a Captive. – Create a 3 year plan with our Fleet safety programs, and financial assessment model.
  • Preparation for a Captive

Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.

  • Compliance-Ready Coverage

Create a 24 month plan with our Fleet safety programs, dynamic technology platform and financial assessment model.

  • Dedicated Claims Support

Our internal claims management team manages the claims process. We understand the unique challenges of the NEMT industry.

  • Technology Platform for Driver Management
  • Fleet Safety & Risk Management

Gain access to a Certified Fleet Safety Consultant for proactive risk reduction.

  • Preparation for a Captive

Create a 3 year plan with our Fleet safety programs, and financial assessment model.

Access to Exclusive Insurance Programs

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

Subject Matter Expert

Marc Crawford

Director of Transportation

NEMT Lead

Subject Matter Expert

Pilar Figueroa

Client Service Manager

NEMT Fleet Specialist

Qualify your company with our preferred and exclusive markets

For access and approval to our exclusive NEMT Insurance Program, please complete the application and upload all required documentation, as this is a specific NEMT insurance all lines program and all required documents must be uploaded for submission to be completed.

 

Note: S.W.A.N. keeps your data confidential, using it for internal insurance qualification purposes only, and does not rent or sell any of your information.

Introducing the DRIVE Program

Better rates. Stronger carriers. Safer fleets. DRIVE is S.W.A.N.’s proactive risk management system — included at no additional cost for clients — that helps your fleet become best-in-class before renewal, not during it.

NEMT Video Library

Frequently Asked Questions

Have Questions? We Have Answers.

We’re here to help you navigate NEMT insurance. If you don’t see your question listed, feel free to reach out to our team for assistance.

What coverage do I need to be able to get a Ride Vendor contract?
As an NEMT operator you will be required to have commercial auto, general liability, and professional liability. Also, if and when you hire employees you will be required to obtain workers compensation (state specific) requirements.
Why do I need different limits than the state minimums?
The state requirements may not meet the Rider Vendor, private pay, or Medical/hospital group requirements that will be how you are able to obtain rides.
What is SAM coverage? And how do I get it for my contract?
SAM – or Sexual Abuse and Molestation is coverage that we will obtain for you through our programs or will write for in addition to other requirements.

What if I want to add vans and vehicles as I grow the operation?
In our NEMT program we can add vans as you grow your operation and screen drivers with the DMV prior to adding to your operation.
What if I want to work with other Ride Vendors, is my insurance coverage ok?
We work with Vendors including Modivcare, MTM, and Verida, as well as many others and advise on requirements of vendors for each state as well as region.
Should I have my wheelchair securement training done if I have a ramp van?
We strongly recommend all NEMT operations have certification and provide links to access training online and in person training with accredited organizations.
What is the most common type of NEMT vehicle?
The most common type of NEMT vehicle is a minivan or van outfitted with a wheelchair lift or ramps. Some NEMT providers also use buses or vans specially designed for transporting large groups. In some cases, you might be able to lease or rent NEMT vehicles.
If I am doing private pay, who do I use?
We have a strong network of NEMT Partners, from billing, routing and dispatch, trainings, and more, and allow our NEMT operators to access our partners directly.
Can I access the NEMT insurance program from my state?
We have access to NEMT coverage in 46 states including Florida and New York.
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