NEMT Liability Coverage, Workers’ Compensation, Professional Liability, and Excess Liability

Non-Emergency Medical Transportation plays a vital role in maintaining the health and well-being of millions of Americans. Elderly patients and individuals with disabilities and chronic illnesses rely on NEMT businesses to get them to and from out-patient treatment facilities. During transport or while aiding patients on and off vehicles, NEMT professionals are at risk of personal injury. All Risks provides non-emergency medical transportation insurance to protect your client’s business and employees. Contact our insurance specialists today to learn more about our non-emergency medical transportation insurance solutions.


  • Multiple “A-” or better rated carriers
  • Exclusive access to competitive Workers’ Compensation carrier
  • Wheelchair accessible vehicles are acceptable
  • 10 or more vehicles required for Auto Liability risks
  • In business 3 years or more under the same ownership
  • WC is available in all states except: AK, FL, OK, SC and monopolisitc states (ND, OH, WA & WY)
  • GL, Professional and Excess Liability available nationwide


State Availability

  • Varies by coverage needed
Submit a Risk
  • Workers’ Compensation
    – $5,000 Manual Premium
  • General Liability
  • Professional Liability
  • Excess Liability
  • Auto Liability
  • Physical Damage
    • In business 3 years or more under same ownership
    • Wheelchair accessible vehicles are acceptable
    • Formal written hiring standards and procedures required
    • Drivers must be certified in emergency first aid and CPR
    • Vehicles with emergency lights, sirens, or are involved in 911 emergencies are excluded
    • Risks with passengers transported by gurney or stretcher are excluded

Workers’ Compensation Class Codes

  • 7370 – Non-Emergency Medical Transportation (NCCI states)
  • 7382 – CA and TX only
  • 807 – PA and DE only
  • 7377 – NY only

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact an All Risks Specialist.

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Workers’ Comp Top Class Guide

Use this handy resource to determine eligible class codes for our top industries.

Specialty Program Guide

Use this handy resource to review our custom program solutions.

Risk Control Portal

Help your clients develop employee best practices with over 1000 risk management and safety education resources and reference tools.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.