How To Protect Your Non-Emergency Medical Transportation Business?

Insurance Tips
Aug 22, 2017 · 3 min read

For the last few decades, life-expectancy rate in US has shot up considerably owing to the advancement in medical science and technology. Old and aged people are now able to add some more years to their lives since the ailments which crop up during the last phase of their lives are now a thing of the past. But such individuals often cannot operate a vehicle on their own when they are in need of any medical service and so require assistance which a cab cannot provide. In such cases, a non-emergency medical transport service is required which provide crucial transportation facilities and assistance for elderly individuals and for them who have disabilities and physical and mental health conditions.

These vehicles have to operate with a lot of risks since they have to ferry people who are in wheelchairs or have medical conditions. Then there are various specialized equipment which are utilized for providing medical assistance and also trained personnel who operate the equipment. Because of these facts, NEMT insurance is essential for companies who provide these non-emergency services to protect their assets against accidents or mishaps.

What does non-emergency medical transportation insurance cover?

Non-emergency medical transportation insurance has in it a range of coverages, the most important among them are the following:

General liability coverage

Professional liability coverage

Commercial auto liability

Workers compensation coverage

Let’s know them in detail.

General Liability Coverage: General liability coverage protects you from any kind of legal action that your business may face from any third party which includes bodily injuries, property damage, libel and copyright infringement. This insurance type covers the expenses of legal representation, court costs and judgements against you.

Professional liability coverage: Professional liability insurance protects you against any legal claims and legal expenses which may arise if a driver or company employee is held liable for rash or negligent driving, providing negligent services, making callous mistakes while handling patient and failing to fulfill contractual agreements.

Commercial auto liability: A commercial auto liability policy is required for covering the losses that may arise while you are using the vehicle for business purposes. This insurance protects your business from any medical or emergency transportation costs which may occur in case your vehicle is involved in a serious mishap for which your company is liable. This insurance also covers property damage costs if your company is held responsible for damaging any private property or other vehicle which your vehicle is involved in a collision with.

Workers compensation coverage: This insurance covers the medical expenses of any employee who has suffered injuries while performing his or her work duties. The injured employee is provided weekly treatment costs and other medical benefits and is taken full care of until he is fully fit to resume work again. This coverage benefits both the employee and the employer. The employee doesn’t have to incur any costs for the injuries suffered on duty while the employer saves himself from any legal actions brought up against him by the employee.

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