You get patients to their appointments safely. Island Fleet helps non-emergency medical transportation providers find commercial auto coverage that fits their vehicles, drivers and contracts, with bilingual support.
Get My NEMT Quote → WhatsApp UsNEMT carries vulnerable passengers, often with mobility equipment, and works under contracts that set strict insurance terms. The right program protects your patients, your drivers and your contracts.
Most NEMT work comes through contracts, so the contract often sets the insurance, not the state minimum.
Requirements vary by state and contract and can change. We confirm what applies to you before you bind. This page is general information, not a compliance determination.
Accessible vans and sedans moving patients to dialysis, therapy, clinics and appointments.
Starting out with a few vehicles and a first broker contract? We help you get the insurance side ready.
More vehicles and contracts means more exposure. We review limits and gaps as you grow.
Vans serving assisted living, adult day care and senior programs.
Tell us about your vehicles, drivers and contracts. A real person who speaks your language follows up fast.
Start My Quote →Most NEMT providers need commercial auto liability for the vehicles, physical damage, general liability and workers' compensation for drivers. Many also add professional liability, hired and non-owned auto, and umbrella limits to meet contract requirements.
Often yes. Contracts with Medicaid transportation brokers, health plans, hospitals and care facilities commonly set minimum limits and require additional insured status. We review your contract requirements before you bind.
Yes. We place coverage for ambulatory and wheelchair-accessible vehicles, including lifts and ramps where applicable. Underwriters will ask about vehicle type, driver training and safety procedures.
Yes. Quotes, service and claims support are available in both English and Spanish.