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.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

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

Claims Management

Our carriers have experienced claim managers to close claims quickly.

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.

Non-Emergency Medical Transportation Workers' Compensation

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.

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

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licensed throughout the United States

How Does Workers' Comp Work?

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.

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

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

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.

  • 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
  • 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 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

How do I get started?

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What Happens Next?

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We've developed affordable insurance programs for Medical Transport.