Paratransit insurance for the passengers who depend on you
Seniors, people with disabilities, dialysis patients and others who can't get to appointments on their own rely on your fleet. We place paratransit programs for wheelchair, stretcher and ambulatory providers across Washington and Oregon, structured to meet Medicaid, Medicare and broker contract requirements.
Same-day certificates for new contracts and vehicles · Monthly payment plans
Coverage that matches the mission
Transporting medically fragile passengers creates exposures a standard auto policy doesn't address: securement, lifts, loading and unloading, missed treatments and the conduct of drivers and attendants. We understand those risks and the insurance requirements in Medicaid and Medicare contracts.
We handle coverage for wheelchair vans, stretcher vehicles and ambulatory transport services, and as members of the NEMT Accreditation Commission (NEMTAC) we keep current with industry standards so your coverage meets contract requirements.
How a single trip becomes a claim
Three illustrative examples, with a combined exposure of $1,950,000.
A wheelchair securement fails on the way to dialysis
During a sudden stop, a wheelchair-bound patient's securement fails. The patient is thrown forward, suffering a traumatic brain injury and broken bones.
- Medical expenses$485,000
- Long-term care needs$225,000
- Legal defense$95,000
- Pain and suffering$70,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Paratransit by the numbers
Paratransit services we insure
Wheelchair van transport
ADA-compliant vehicles with lifts and ramps for mobility-impaired passengers.
Stretcher transport
Gurney and stretcher service for bed-bound patients with medical appointments.
Ambulatory services
Sedan and van transport for patients who can walk but need assistance.
Dialysis transport
Regularly scheduled transportation for dialysis treatment.
Hospital discharge
Transport from hospitals to homes, rehab facilities or nursing homes.
Senior transport
Services for elderly passengers with medical appointments.
Mental health transport
Transportation to behavioral health appointments and treatment facilities.
Pediatric transport
Medical transportation for children with special needs.
Complete paratransit coverage
Every coverage you may need to protect passengers, drivers and the business.
Commercial Auto Liability
Primary liability for bodily injury and property damage, with limits from $1M to $5M to meet Medicaid, Medicare and broker contract requirements.
Hired & Non-Owned Auto
Applies when employees use personal vehicles or you rent vehicles for patient transport.
Medical Payments
Pays medical expenses for passengers injured in your vehicles regardless of fault, important for vulnerable patient populations.
Physical Damage
Comprehensive and collision for wheelchair vans, stretcher vehicles and ambulatory fleet.
Uninsured / Underinsured Motorist
Protects passengers and drivers when your vehicle is hit by someone without adequate insurance.
General Liability
Bodily injury and property damage claims arising from operations beyond vehicle use.
Professional Liability
Negligence claims tied to missed pickups, scheduling errors or failure to provide contracted services.
Abuse & Molestation
Protection against allegations of misconduct by drivers or attendants toward vulnerable passengers.
Workers' Compensation
Required coverage for drivers and attendants, including injuries from lifting patients, loading wheelchairs and vehicle accidents.
Garage Keepers
Customer property such as wheelchairs, medical equipment and personal belongings while in your care.
Equipment Breakdown
Wheelchair lift failures, stretcher mechanism breakdowns and other specialized equipment malfunctions.
Cyber Liability
Patient health information (PHI) breaches, HIPAA violations and electronic data security incidents.
What paratransit providers get from us
Contract compliance
We check that coverage meets Modivcare, MTM and other broker contract requirements before you sign.
Specialty carriers
Access to markets that write medical transportation, including National Interstate and Philadelphia Insurance, with fleet pricing for multi-vehicle operations.
Same-day certificates
Certificates for new contracts, and same-day binding when you add vehicles.
New ventures
Carriers that insure startups, so you can meet contract requirements from day one, with monthly and low-down-payment options.
HIPAA and driver standards
Guidance on PHI insurance requirements, MVR standards and background checks for Medicaid-contracted providers.
Careful claims handling
Prompt response when an incident involves a medically fragile passenger, with attention to fair resolution and patient dignity.
Get your paratransit insurance quote
Our application covers your operation, fleet, drivers and safety programs. A paratransit specialist reviews every submission and responds within 72 hours.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. 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.