Non-Emergency Medical Transportation Insurance
Specialty coverage for NEMT operators across Georgia.
What this is
Non-Emergency Medical Transportation is one of the hardest commercial auto risks to place. Most agents won't even quote it. Sharon has built relationships with the carriers that actually want this business — and writes new NEMT operators every month.
Who it's for
Startup and established NEMT companies, Medicaid brokers' contractors, wheelchair van fleets, and stretcher transport providers operating anywhere in Georgia.
What's covered
- Commercial auto liability (state-mandated limits and above)
- Physical damage on vans, sedans, and wheelchair-equipped vehicles
- Medical payments and uninsured motorist
- General liability for the business entity
- Workers' compensation for drivers and aides
- Hired & non-owned auto for contractor drivers
How we work
- 01
Discovery call
15-minute call to understand your fleet, contracts, and broker requirements.
- 02
Market the risk
We shop your account across the small handful of carriers that specialize in NEMT.
- 03
Coverage review
Side-by-side quote comparison — we explain trade-offs in plain English.
- 04
Bind & file
We bind coverage and handle the certificates your brokers and contracts require.
Frequently asked
Will you write a brand new NEMT company with no prior coverage?+
Yes. New-venture NEMT is one of our specialties. Bring driver MVRs and your operating authority and we'll get you a quote.
What limits do Georgia Medicaid brokers usually require?+
Most brokers in Georgia require $1M combined single limit on auto liability and $1M general liability. We'll match your contract exactly.
Do you cover stretcher vans and BLS transport?+
Yes — sedan, ambulatory, wheelchair, and stretcher classes are all quotable through our markets.
Other coverages we write
Trucking Insurance
Coverage for owner-operators and fleets running in and out of Atlanta.
Business Insurance
BOP, GL, and workers' comp for Atlanta-area businesses.
Auto Insurance
Personal auto coverage that actually fits your driving life.
Home Insurance
Protect your home from Georgia weather, theft, and liability.
Life Insurance
Term and permanent life coverage with no pressure.
Free, no-pressure quote
Ready to see what you’re actually paying for?
Send us your current declarations page and we'll do a free side-by-side review across our carriers. No obligation, no sales pitch.