It can be difficult finding good insurance for your non-emergency medical transportation service. We can help. Fill out one form and we connect you with three insurance agents knowledgable about the coverages your business needs. They compete and you choose the policy that best fits your needs.
Non-Emergency Medical Transportation Insurance Guide
Ambulance services must have adequate coverage. That’s why it’s essential to know which coverages are right for to your business and which coverages aren’t. We’ve outlined several common coverages below:
Liability Insurance – This coverage is required in all fifty states. It protects the property of pedestrians and other drivers, including their vehicles.
Bodily Injury – This pays for any medical costs related to accidents where you’re at fault and others are harmed.
Property Damage – This pays for repairs to vehicles or replacement vehicles if you damage someone else’s property.
Physical Damage Coverage – This protects your ambulance from damages caused by your drivers.
Collision – This pays for any costs associated with that wreck.
Comprehensive – This pays for additional costs, like costs resulting from vandalism, fire, theft, or damage caused by animals.
General Liability – This covers your business from lawsuits resulting from someone getting hurt on your property.
How Insurance Companies Determine Price
If you’ve shopped for insurance for your non-emergency medical service before, you know that prices can vary widely. One reason not all policies cost the same is because companies calculate their prices differently. When a company or agent is looking at your information, they’re looking at a few things in particular:
- What coverages you want.
- Your location (urban or rural)
- How much area your service covers.
- The value of your ambulances, including their age, makes, and models.
- The driving records of all your drivers, including:
- their driving violations
- their previous claims
- how much experience they have.
Medical Transport Insurance Companies Offer Discounts
One easy way to save money on your insurance policy is by simply asking about what discounts the company offers. Some common discounts include:
Bundled Coverage
If you insure all your vehicles with one provider, they can offer you a reduced price. Similarly, if you choose to get your business insurance bundled with your vehicle insurance, expect a discount.
High Deductible
If you opt to pay more out-of-pocket following an accident, the insurance company wil offer you a lower premium.
Yearly Payment Plan
If you choose to pay yearly instead of monthly, the insurance company may lower your overall rate.
Experienced business owner
If you’ve been in business for a long time, the insurance company views you favorably and may offer a discounted rate.
Compare Several Insurance Companies at Once
Whether you’re searching for insurance for the first time or you’re trying to replace old coverage, the best thing you can do to ensure you get the best deal is to look at multiple companies at once.
