Non-Emergency Medical Transportation
Workers' Compensation

We've developed affordable insurance programs for non-emergent medical transporters.

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Give us a call today at 888-611-7467

Workers' Comp Coverage for Non-Emergency Medical Transportation Providers

We've been helping professional transportation businesses find easy and affordable coverage for over 15 years. Our Experts understand all the non emergency medical transportation insurance requirements from the insurance companies and the companies that contract with NEMT providers. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing Non-Emergency Medical Transportation coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Paratransit Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers comp coverage in most states throughout the United States

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for paratransit and NEMT providers.

Accident Fund

Cimarron Insurance Company writes hard to place workers comp in most states.

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage for non-emergency medical transportation.

Cimarron Insurance

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia a fast growing carrier expanding in most states. Emergency medical transportation and NEMT insurance solutions.

Benchmark Insurance

Normandy is a fast growing insurance company with a very broad underwriting appetite.

Normandy Insurance

Normandy has some of the lowest filed rates for many related class codes. They are open in numerous states.

Normandy Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of business non-emergency medical transportation. They have outstanding rates.

ICW Group

UBIC specializes in tough work comp class codes including Non-Emergency Medical Transportation.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for non-medical transportation services.

UBIC Insurance

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the non-medical transport trade.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

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Workers' Compensation Class Codes Related to Non-Emergency Medical Transportation

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Class Code 7382 | Non-Emergency Medical Transportation

Businesses primarily engaged in providing special needs transportation to the infirm, elderly or handicapped. Many of these companies will use specially equipped vehicles tp provide transportation. Transportation is typically to and from appointments related to medical needs. Rides to and from work would not be contemplated under NEMT insurance. Medicare and specialized local and state programs often help fund the cost of non emergency transportation.

Bus companies generally utilize the same class code- 7382, but underwriting requirements vary considerably. Ambulance services are typically rated in a separate class code (7370) regardless of whether or not they are operated by a hospital or private ambulatory service. Garage and mechanic operations may be separated classified under class code 8385.

Alternative State Class Codes for Non-Emergency Medical Transportation:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
7384 | Bus Company New Jersey
828 | Non Medical Transport Delaware / Pennsylvania
8394 | Ambulance Operations New York

Synonyms: non-emergency transportation, paratransit, non-emergent transport, senior citizen transportation, NEMT, ambulance service, ambulatory transport

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best NEMT Insurance Coverage

A lot of NEMT are overpaying for coverage because their agent does not have access to the right insurance companies or they end up in their state insurance fund. Other business owners are using outdated installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of lawn care business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing NEMT insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National NEMT Insurance Expertise
More Markets for More Solutions
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job
Lower NEMT Insurance Costs

The cost of business insurance has been increasing for transportation companies. General liability and workers' comp insurance have been the major cause of the increase in the cost. Auto insurance rates have also been on the rise. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for non-emergency medical transportation:

  Workers Compensation and Employers Liability

  Commercial General Liability

  Personal Property and Commercial Property

  Auto Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Workers' Comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

How Much Does Non-Emergency Medical Transportation Insurance Cost?

The average rate our customers pay for workers' compensation under the xx class code is around 7.15 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of transportation can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates for NEMT are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of customers matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by industry

Auto Liability Costs

  • Auto Liability rates are based on vehicles and passenger capacity
  • Gross revenue may affect pricing
  • Vehicle values matters to underwriters
  • Prior clams and years in business affect pricing
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How do I get started?

Here's what we need from you
  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price
  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

Ready to Start Your Quote?

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1-888-611-7467


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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers' Comp for Medical Transportation.

Most agencies don't have access to insurance companies that write workers' compensation coverage for non-emergency medical transportation. But we offer exclusive programs with lower rates on coverage so you get the best price on your policy.
Find quotes for your non-emergency medical transportation business today and see if you qualify for better prices on your workers' comp insurance. Or give our Specialists a call today at 888-611-7467.
National Agency Number: 8847381
National Producer Number: 5064979
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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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