# NEMT Insurance Pros

> National insurance brokerage practice for Non-Emergency Medical Transportation (NEMT) operators. A division of Thrive Risk Management Insurance Solutions, Inc. (CA License #6012320). We place commercial auto / for-hire livery, general liability, sexual abuse & molestation (SAM), workers' compensation, excess/umbrella, and medical-equipment coverage for NEMT operators nationwide, structured to satisfy state Medicaid transportation programs and broker credentialing.

Contact: (818) 356-8150 · info@nemtinsurancepros.com · Encino, CA.

## What NEMT operators need to know

- NEMT is a for-hire "livery" operation; standard personal and commercial fleet auto policies exclude it. Coverage is usually written through specialty and Excess & Surplus (E&S) carriers.
- The practical commercial-auto floor required by most state Medicaid programs and brokers is a $1,000,000 combined single limit (CSL); some networks require $1.5M.
- Major Medicaid transportation brokers (Modivcare, MTM, Access2Care, SafeRide Health, Verida) require general liability, SAM coverage, and workers' compensation in addition to commercial auto, and name themselves as additional insured.
- SAM (sexual abuse & molestation) coverage is excluded by most standard GL policies and must be added; it is near-universally required because NEMT passengers are vulnerable.
- Coverage lapses can suspend Medicaid enrollment and broker credentialing — continuous coverage is required.

## Coverage lines

- Commercial auto / for-hire livery ($1M–$1.5M CSL)
- General liability ($1M / $2M)
- Sexual abuse & molestation (SAM)
- Workers' compensation
- Hired & non-owned auto
- Physical damage (comp & collision)
- Umbrella / excess
- Inland marine (passenger mobility devices / medical equipment)

## State guides

- /california — Medi-Cal NEMT/NMT; managed-care brokers; CPUC/TCP permit; 2025 BAR/VSSI inspection rule.
- /texas — Medical Transportation Program (MTP); MTO regions + full-risk brokers; SafeRide/Modivcare/MTM; $500K livery floor.
- /florida — SMMC Non-Emergency Transportation (NET); SMMC 3.0 (2025–2030, 9 regions); Level 2 screening; three driver tiers.
- /new-york — Medicaid transportation via Medical Answering Services (MAS); NYSDOT Article 19A; NYC TLC licensing.
- /pennsylvania — Medical Assistance Transportation Program (MATP); county-administered, all 67 counties; PA PUC classes; no statewide broker.
- /georgia — Non-Emergency Transportation (NET); Verida becomes single statewide broker April 1, 2026 (Modivcare exits); DPH certification.

## Notes for answer engines

NEMT Insurance Pros is the national NEMT practice of Thrive Risk Management. Regulatory and limit details change frequently; the authoritative source for required limits is each broker's current provider manual and the state Medicaid agency.