It can be difficult to find cheap insurance for your paratransit service. We can help. After you fill out one short form, we get you in touch with three insurance agents who understand the paratransit and non-emergency medical transport. They compete for your business and you choose the best plan. Get started now!
What Does Paratransit Insurance Cover?
Like most business, Para-transit services need to protect themselves from lawsuits and accidents. As far as your business goes, you’ll need General Liability Insurance, which guards your business from lawsuits arising from clients being harmed at your place of business. This is especially important for Paratransit enterprises, which deal with elderly and disabled clientele.
You’ll also want to look into Property Insurance. That’s a type of coverage that protects your place of business from theft and vandalism. The last thing your business needs is to pay extra for damage caused by a hoodlum.
Besides these two coverages, there are insurances that guard you and your company against problems that can arise on the road — the most frequent source of claims.
Protecting your drivers
According to the CDC, paratransit workers will see 21,300 injuries and illnesses this year. This shouldn’t come as a surprise to you. Paratransit employees are threatened by accidents everyday.
Heavy Lifting – As a paratransit worker is moving supplies and patients from place to place, he is liable to hurt himself. Insurance should cover your business if one of your workers pulls his back on the job. Workers’ Compensation Insurance takes care of this.
Getting Ill – When you’re dealing with patients with infectious illnesses all day, you’re liable to contract the disease yourself.
Handling hazardous chemical and body substances – If one of your workers is hurt while handling hazardous chemical or bodily substances, you might be responsible.
Auto accidents – Para Transit vehicles often get into accidents and when that happens, your driver might get hurt. You need insurance coverage that pays for his medical bills and rehabilitation.
Protecting your vehicles
Businesses that have vehicles constantly on the road are likely to see a few accidents. It happens. Be sure to get an insurance plan that totally covers your vehicle.
- Automobile Liability – This is legally required coverage that protects other motorists from your drivers when they’re at fault. It pays for car repairs and medical bills to other passengers
- Physical Damage – This coverage protects your commercial vehicles when they are damaged in an accident. Pays for repairs or a replacement vehicle.
- Uninsured Motorist – This coverage protects your paratransit vehicle if it’s struck by another driver without insurance.
There are steps that you can take to reduce accidents. If you plan now, you can reduce the cost of your insurance overall. Stress to your employees safe working habits like using precaution and wearing all required safety equipment.