NEMT Liability Requirements
NEMT liability requirements can depend on passenger capacity, state rules, contracts, filings, and the type of transportation service you operate.
What affects limits
- Passenger capacityVehicle seating and wheelchair capacity may influence minimum liability limits and underwriting requirements.
- Contracts and brokersFacilities, brokers, and care organizations may ask for specific limits or certificate wording.
- Filings and proofSome operators may need state filings, federal filings, MCS-90 support, or fast certificate handling.
Liability limits should match how your NEMT business operates
NEMT operators should review liability requirements before putting a vehicle on the road, signing a contract, or renewing a policy. Minimum limits can vary by vehicle size, passenger capacity, state requirements, and the organizations you transport for.
For example, a small transport vehicle may have different insurance needs than a larger passenger van. Contracts can also require higher limits than the state minimum, so it is important to review both legal requirements and business requirements.
A good insurance review should look at liability limits, driver details, vehicle schedules, certificates, physical damage coverage, and whether filings are needed. That is especially important when you add vehicles, change service areas, or begin working with new brokers or facilities.
Not sure if your limits are enough?
Send your requirements or current policy and our team can help you understand the NEMT liability options available.
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