Non-Emergency Medical Transport Insurance


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Your search for a professional insurance agency that knows the ins-and-outs of Non-Emergency Medical Insurance (commonly referred to as NEMT or Paratransit) is over! American Business Insurance Services has been writing this class of business for over 35 years. Furthermore, It’s crucial to know exactly what’s in your NEMT coverage contract. We examine the contract providers and the requirements that they have.

We insure over 50,000 commercial vehicles nationwide.

NEMT Auto Liability

This coverage can protect you and your business from financial losses if you are involved in an at-fault automobile accident.

If your company is found liable for an at-fault accident, it will pay to fix the person(s) vehicle you damaged, pay for medical bills of the passengers in that vehicle(s). Additionally, and also for the medical bills of the passenger(s) in your own vehicle. Your policy would also pay for court legal expenses if another party files a lawsuit related to the auto accident.

NEMT Comprehensive / Collision

Protects your vehicle from damages whether or not you are considered at fault for an accident. This coverage is important if you are leasing or financing a vehicle since you have an outstanding loan or lien on the vehicle.

This coverage is mandatory if you want to protect your vehicle from damages whether you are considered at fault or not, and also protects the loan or lienholder on the vehicle if not owned outright.

Technology Forward NEMT Insurance

We understand that vehicles & drivers need to be swapped out at a moment’s notice, that’s why we’ve created an online portal for you to submit changes, print Auto Identification Cards & Certificates 24 hours a day, 7 days a week.


In addition, for large fleet owners, we offer a full API to make vehicle changes and get ID cards, all from your own fleet management software or mobile app. Next to zero competitors can offer this level of commitment when it comes to non-emergency medical transport insurance.

Benefits of Choosing ABI


American Business Insurance Services has specialized in livery coverage for a long time. Livery means that you are transporting someone for a fee. This class includes Taxicab, Limousine & Non-Emergency Medical.

Business owners in this class tend to be people who truly care about others. People want to run a business that makes a difference in the lives of others. Providing the elderly a ride to the store or a doctor’s appointment are examples of NEMT businesses. However, because of the general frailty of NEMT passengers, safety programs are a must.

Importantly, most vans have no back window. If they do, it can be hard to see out of because there is a passenger, equipment, etc. Unfortunately, your driver might not see that there is another wheelchair patient behind the van and accidentally hit them. This is just one example of many types of claims we see for this type of insurance.


This is typically the first and most frequent question we get when quoting public auto or any other type of insurance policy. Depending on where you operate, we may be able to give you an indication based on the premiums of other similar risks in this area.

We have a system that allows us to research other accounts in your area that have similar coverage limits to you. We have flexible financing options and will always work with you the best we can to make your coverage as affordable as possible.


Lastly, we just have to toot our own horn about our agency portal. Most agencies take days or even weeks to process a vehicle or driver change on your Paratransit policy. You will love our user friendly, online customer portal.

We use a state-of-the-art agency portal that allows you to manage your NEMT business 24 hours a day, 7 days a week. Policy changes are available online any time – day or night. Which is essential in running a business that also operates 24/7.

More Questions? Call Us.

We’re here to help, 800-980-1950
Agents are available 8am-5pm
Monday – Friday, Pacific Time

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Request a Quote

Please have your vehicle/driver info.