Ambulance and EMS insurance for crews, units and operations
Emergency response, patient care, life-saving equipment and medical transport create exposures that standard commercial auto and general liability policies don't address. We build EMS programs for services across Washington and Oregon, from a single unit to multi-station fleets.
Specialty EMS carriers · Same-day certificates · 24/7 claims support
Built for the way emergency services operate
We have insured Pacific Northwest ambulance services since 1992, including private ambulance companies, hospital-based services, fire district EMS and non-emergency medical transport. For industry resources, see the National Association of EMTs (NAEMT) and NHTSA's Office of EMS.
How a single EMS call becomes a claim
Illustrative examples of how an EMS exposure escalates, and the coverage that responds.
An ambulance collides during an emergency response
Responding to a cardiac emergency, an ambulance proceeds through an intersection and collides with a minivan. The patient, crew members and occupants of the other vehicle are all seriously injured.
- Third-party injuries$1,850,000
- Patient injury claims$720,000
- Crew injuries (workers' comp)$385,000
- Vehicle and equipment$295,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your service
Every ambulance program starts with commercial auto liability and physical damage. Tell us how your operation runs to see what else typically applies. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
7 coverages — a starting point for a conversation, not a quote.
- Commercial Auto LiabilityPrimary liability for your ambulance fleet.
- Physical DamageComprehensive and collision for your units.
- Professional Liability (Malpractice)Negligent-treatment and protocol claims.
- Abuse & MolestationMisconduct allegations during transport.
- Workers' CompensationBack injuries, needle sticks and exposures.
- Employment Practices LiabilityDiscrimination and wrongful-termination claims.
- Medical EquipmentMonitors, ventilators and stretchers.
From first call to certificate
Understand your operation
Service type (911, non-emergency or critical care), fleet and equipment schedule, call volume, crew certifications and protocols, contracts, licensing and claims history.
Go to EMS markets
We approach specialty carriers that write ambulance risk, such as James River, Markel and Philadelphia Insurance, with auto limits up to $5M+, new-venture options and fleet rates for 2 to 50+ units.
Build the program
Commercial auto and physical damage at the core, with professional malpractice and abuse coverage, medical equipment, general liability, workers' comp, cyber and umbrella added as needed.
Certificates and claims
Same-day certificates for hospital, event and municipal contracts, Medicare-certification and licensing compliance, and 24/7 claims support from first notice.
Every coverage an EMS operation may need
Filter by type or search for a specific coverage.
Commercial Auto Liability
Primary liability for your ambulance fleet, including emergency-response operations, with limits up to $5M+ for municipal contracts.
Physical Damage
Comprehensive and collision for ambulances, command vehicles and support units, including permanently mounted equipment.
Hired & Non-Owned Auto
Liability when employees use personal vehicles for EMS business, or when you rent vehicles during fleet repairs.
Garagekeepers
Damage to vehicles in your care while parked at your station for maintenance, cleaning or storage.
Professional Liability (Malpractice)
Claims alleging negligent treatment, failure to diagnose, delayed response or deviation from protocols by your crews.
Abuse & Molestation
Allegations of misconduct by crew members toward patients during transport or treatment.
General Liability
Premises, operations and personal-injury coverage for stations, training facilities and administrative operations.
Medical Equipment
Cardiac monitors, ventilators, stretchers and other portable medical equipment, in the unit and in transit.
Cyber Liability
Patient-data breaches, HIPAA violations, ransomware and electronic health-record compromises.
Workers' Compensation
Back injuries, needle sticks, infectious-disease exposure and line-of-duty injuries for EMTs and paramedics.
Employment Practices Liability
Wrongful termination, discrimination, harassment and other employment-related claims from staff.
Umbrella / Excess Liability
Additional limits above your primary policies for catastrophic claims and municipal-contract compliance.
Coverage for every kind of emergency medical service
Programs from a single unit to large multi-station fleets.
911 emergency services
ALS and BLS emergency response, municipal contracts and first-responder operations.
Private ambulance companies
Independent operators running emergency and scheduled transport.
Hospital-based EMS
Hospital-owned services, critical-care transport and interfacility transfers.
Non-emergency transport
Wheelchair vans, stretcher transport, dialysis runs and medical appointments.
Fire district EMS
Fire-department ambulance services, rescue squads and combination departments.
Critical care transport
Specialty care transport, neonatal teams and high-acuity transfers.
Event medical services
Standby ambulance coverage for concerts, sporting events and public gatherings.
Industrial EMS
On-site medical services for manufacturing, construction and industrial facilities.
Community paramedicine
Mobile integrated healthcare, home visits and community health programs.
Brokers who understand emergency medicine
EMS experience
Since 1992 we have insured ambulance services across the Pacific Northwest. We understand protocols, emergency-response operations and the liability exposures of emergency medicine.
Contract compliance and 24/7 claims
Coverage that meets municipal-contract, Medicare-certification and state licensing requirements, same-day certificates for hospital and event contracts, and claims support any time, any day.
New ventures and program design
Carriers that write new ambulance services, and integrated programs for established services from auto liability to malpractice to workers' comp, so nothing falls between policies.
Get your ambulance insurance quote
A free consultation with brokers who work with emergency medical services. Same-day certificates available, no obligation. Prefer email? Reach us at info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, medical, tax or coverage advice, a statement of coverage, an offer or a binder; the coverage builder is a starting point for discussion, not a quote. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.