Getting insurance for your ambulance can be tough to find. That’s why we’re here. Just fill out one form and we connect you with three insurance agents who specialize in covering EMS and non-emergency medical transport. They each give you a quote and you pick the winner. So get started now!
What Does Ambulance Insurance Cover?
Ambulance services need the same coverages that most any other business needs — coverages like General Liability Insurance and Property Insurance to protect your business. However there are certain things that emergency medical services have to pay special attention to when considering which insurance coverages they need.
Your drivers
According to the CDC, EMS workers face 21,300 injuries and illnesses each year. It’s crucial that you have sufficient Workers Comp and Medical Payment insurance to protect your workers against these common occurrences:
Heavy Lifting – Even the most careful EMS worker can hurt his back from lifting patients and equipment. If an employee pulls his back on the job, you need insurance that can cover it.
Contracting Illnesses – There is a great potential EMS workers treating patients with infectious illnesses to contract the disease themselves.
Handling hazardous chemical and body substances – Your workers routinely deal with hazardous materials that can lead to injury.
Auto accidents – if your ambulance gets into an accident (not uncommon at all) and your employee is hurt, you need coverage that will pay for his or her rehabilitation.
Your ambulances
Your ambulances are on the road speeding from place to place; accidents are bound to happen. It’s crucial to completely cover your vehicle.
- Automobile Liability – Protects other vehicles when your ambulance is at fault in an accident
- Bodily Injury – Pays for medical expenses caused by the accident. Relevant if your ambulance hits a pedestrian crossing the street.
- Property Damage – Pays for damage done to others’ property as a result of the accident. Relevant if your ambulance truck hits a car on the highway.
- Physical Damage – Protects your vehicle in the event of an accident.
- Collision – Pays for damage done to the ambulance as a result of a collision, usually with another automobile.
- Comprehensive – Pays for other types of damage done to the vehicle. This includes vandalism, fire, weather damage, and theft.
- Uninsured Motorist – Pays for damage done to your ambulance if it’s hit by an un-insured or under-insured driver.
How to reduce accidents
Preventative measures can save your employees from accidents and your vehicles from damage. It can even reduce the cost of your insurance altogether. Be sure to discourage unsafe behaviors among your employees, such as rushing or not wearing protective equipment.
How to get the best ambulance insurance coverage
There are many insurance companies out there who do business exclusively with EMS owners. The trick is finding the best one. We can help you narrow down your search by connecting you with three agents. They will each offer you a plan and you can select the coverage that works best for you and your business.
