Quick answer: Modivcare, MTM, Verida, SafeRide, and Access2Care all require the same core NEMT insurance stack: commercial auto (typically $1M combined single limit, sometimes $1.5M), general liability, sexual abuse & molestation (SAM) coverage, and workers' compensation, with the broker named as an additional insured on your certificate. The exact limits and endorsement wording differ slightly by broker and state.
If a Medicaid transportation broker assigns your trips, its insurance requirements are effectively your license to operate. Miss one endorsement and you can be locked out of credentialing until it is fixed. Here is what the major brokers ask for and how to make sure your certificate of insurance (COI) clears on the first pass.
Before the differences, understand the baseline. Because NEMT is a for-hire livery operation excluded by standard fleet auto, every broker requires a purpose-built program with four coverages:
| Coverage | Typical broker requirement |
|---|---|
| Commercial auto (livery) | $1M CSL minimum; $1.5M for some brokers/vehicle types |
| General liability | $1M per occurrence / $2M aggregate |
| Sexual abuse & molestation (SAM) | Commonly $1M; required by all major brokers |
| Workers' compensation | State statutory limits |
| Additional insured | Broker (and often the state/health plan) named |
On top of the limits, brokers universally require you to name them as an additional insured, and many also want primary and non-contributory wording and a waiver of subrogation. Your certificate must show all of this exactly as the broker's contract specifies.
Modivcare is one of the largest NEMT brokers in the country. Expect a $1M combined single limit commercial auto requirement, general liability, workers' comp, and SAM coverage, with Modivcare named as additional insured. Modivcare is strict about continuous coverage and COI accuracy; certificates that omit the additional-insured endorsement or show a gap are commonly rejected in credentialing. Confirm current limits in your provider agreement, since requirements can vary by market and health plan.
MTM contracts follow the same four-coverage structure: commercial auto at a $1M floor, general liability, workers' comp, and abuse & molestation coverage, with MTM named as additional insured. MTM operates across many states and managed-care plans, so your specific limit and endorsement requirements come from your MTM provider agreement for that market. Watch for primary/non-contributory and waiver-of-subrogation requirements in the contract language.
Verida (the rebranded successor to Southeastrans) is expanding its footprint as a statewide broker. Notably, Georgia moved to Verida as its single statewide NEMT broker effective April 1, 2026, which means in Georgia, Verida's insurance requirements are effectively the state's requirements. Verida requires the standard stack, commercial auto (commonly $1M, verify $1.5M where required), general liability, SAM, and workers' comp, with Verida named as additional insured. If you operate in a Verida market, pull the current provider manual, as single-broker states tend to enforce requirements uniformly and strictly.
SafeRide Health follows the same core requirements: livery commercial auto, general liability, workers' comp, and abuse & molestation coverage, with SafeRide named as additional insured. As with the others, verify the exact per-occurrence and aggregate limits in your contract for the market you serve.
Access2Care (part of Global Medical Response) likewise requires the full NEMT stack with additional-insured status. Because Access2Care operates through multiple health plans, confirm limits and endorsement wording in your specific provider agreement.
Operators often assume "I have $1M auto, I'm covered." Brokers care equally about how your policy is structured:
A certificate missing any of these can bounce your credentialing even when your limits are correct. This is why working with a carrier that knows NEMT broker requirements saves weeks.
Every broker ties assignment to active coverage. If your policy lapses, your insurer's cancellation filing or an expired COI can suspend your Medicaid enrollment and broker credentialing, and trips stop until you re-credential. Set renewal reminders 45 days out and never let coverage go dark, even for a day.
• Medicaid.gov — Non-Emergency Medical Transportation (NEMT) overview
• Georgia Medicaid — Non-Emergency Medical Transportation
NEMT Insurance Pros builds programs to each broker's exact limits and endorsements, additional insured, primary/non-contributory, and waiver of subrogation included, so your credentialing clears the first time.
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Broker requirements change and vary by state and health plan. Always confirm current limits and endorsements in your provider agreement. This article is general information, not legal or insurance advice. NEMT Insurance Pros is the national non-emergency medical transportation insurance practice of Thrive Risk Management and is not affiliated with the brokers named.