Workers' Comp Coverage for Non-Emergency Medical Transportation Providers
We’ve been helping professional transportation businesses find easy and affordable coverage for over 15 years. Our Experts understand all the non emergency medical transportation insurance requirements from the insurance companies and the companies that contract with NEMT providers. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.
Pay as you go
Improve cashflow and reduce the potential for big audit bills.
Comparison Pricing
Get quotes from multiple insurance companies to ensure the lowest rates.
Claims Management
Our carriers have experienced claim managers to close claims quickly.
Workers' Compensation Class Codes Related to Non-Emergency Medical Transportation
Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.
Class Code 7382
Non-Emergency Medical Transportation
Businesses primarily engaged in providing special needs transportation to the infirm, elderly or handicapped. Many of these companies will use specially equipped vehicles tp provide transportation. Transportation is typically to and from appointments related to medical needs. Rides to and from work would not be contemplated under NEMT insurance. Medicare and specialized local and state programs often help fund the cost of non emergency transportation.
Bus companies generally utilize the same class code- 7382, but underwriting requirements vary considerably. Ambulance services are typically rated in a separate class code (7370) regardless of whether or not they are operated by a hospital or private ambulatory service. Garage and mechanic operations may be separated classified under class code 8385.
Alternative State Class Codes for Non-Emergency Medical Transportation:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
Synonyms: non-emergency transportation, paratransit, non-emergent transport, senior citizen transportation, NEMT, ambulance service, ambulatory transport
How Does Workers' Comp Work?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
How Much Does Non-Emergency Medical Transportation Insurance Cost?
The average rate our customers pay for workers’ compensation under the xx class code is around 7.15 per $100 of payroll. The average cost for a general liability insurance policy is about $1,900.00.
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of transportation can modify rates
- Premium discounts and policy credits may apply
- GL rates for NEMT are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of customers matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
- Auto Liability rates are based on vehicles and passenger capacity
- Gross revenue may affect pricing
- Vehicle values matters to underwriters
- Prior clams and years in business affect pricing
How do I get started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options