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Expertise

We do more than deliver great transportation insurance. Our trusted team is stacked with product design, claims and loss control professionals who use their in-depth knowledge and thought leadership to help advance the industry - and our customers' outcomes.

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How We Do More

Insurance is a top expense for most commercial companies. It shouldn't be a top frustration too. We work hard every day to shift that paradigm.…

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Creative Solutions

We understand that no two businesses are the same. That's why we offer a wide range of creative insurance solutions and products designed to…

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Claims

National Interstate Insurance claims experts ensure fair, efficient resolutions for transportation and workers' compensation claims

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Loss Control

Protect your business and improve your bottom line with tailored loss control solutions from our experienced team of professionals.

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Telematics

Unlock the full potential of telematics by integrating real-time driver data with our insights and expertise to help lower your insurance costs.

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NEMT and Paratransit Insurance

CONTACT OUR TEAM

NEMT and Paratransit Insurance

CONTACT OUR TEAM

Understanding the Unique Insurance Needs of NEMT and Paratransit Operators

With nearly two decades of experience providing NEMT (non-emergency medical transportation) and paratransit insurance, National Interstate has the expertise to best serve the specialized needs of fleets of all sizes.  We provide everything you need to protect what is most important to you, from customized products to exceptional customer service and proactive loss control programs.

We also work with brokers across the country to offer programs that can match a wide range of risk tolerances, including Mobility, the first group rental captive designed just for NEMT and paratransit members.

National Interstate also serves the insurance needs of the ambulance industry.

Insurance Coverages for NEMT and Paratransit Operators

  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Property

We provide a variety of payment options, including interest-free installment plans.

Insurance Options to Fit Your Needs

View our range of program offerings based upon your risk tolerance and fleet size.

First Dollar
First dollar insurance, often called guaranteed cost, may be the right solution if you prefer to transfer all of your risk to the insurance company.
Deductible Options
If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you. We offer a range of deductible sizes to fit your needs.
Group Captive

Make insurance work for you by joining Mobility℠, the first group rental captive program designed specifically for best-in-class NEMT and paratransit operators.  Managed and underwritten by National Interstate, our group captive members share in risk, but also in potential financial returns made possible by deep commitments to safety, accountability, and sharing of best practices.  Our group rental captives offer collateral-friendly terms with no upfront capitalization.

Watch to learn more about the benefits of group rental captive membership from our insureds and agents.

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures.

Mobility℠

Established in 2022, Mobility℠ is the first homogenous group rental captive designed just for NEMT and paratransit operators who take pride in their safety culture and want to actively manage their cost of risk. Membership benefits include earning potential financial returns and the ability to network with and learn from peers and National Interstate executives at bi-annual business meetings.

  • Target Premium- $ 100,0000 or more
  • Considerable Risk Appetite- $50,000 retention

Watch to Learn More

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures.

Large Account Customization

Our dedicated team is known for structuring highly creative and sophisticated risk-financing solutions for large fleets. Unique solutions include single large account rental or member-owned captives, large deductibles or other creative program structures tailored to fit the specific risk profile.

Learn more about the unique advantages of National Interstate’s large account customization and our other creative risk structures. 

First dollar insurance, often called guaranteed cost, may be the right solution if you prefer to transfer all of your risk to the insurance company.
If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you. We offer a range of deductible sizes to fit your needs.

Make insurance work for you by joining Mobility℠, the first group rental captive program designed specifically for best-in-class NEMT and paratransit operators.  Managed and underwritten by National Interstate, our group captive members share in risk, but also in potential financial returns made possible by deep commitments to safety, accountability, and sharing of best practices.  Our group rental captives offer collateral-friendly terms with no upfront capitalization.

Watch to learn more about the benefits of group rental captive membership from our insureds and agents.

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures.

Established in 2022, Mobility℠ is the first homogenous group rental captive designed just for NEMT and paratransit operators who take pride in their safety culture and want to actively manage their cost of risk. Membership benefits include earning potential financial returns and the ability to network with and learn from peers and National Interstate executives at bi-annual business meetings.

  • Target Premium- $ 100,0000 or more
  • Considerable Risk Appetite- $50,000 retention

Watch to Learn More

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures.

Our dedicated team is known for structuring highly creative and sophisticated risk-financing solutions for large fleets. Unique solutions include single large account rental or member-owned captives, large deductibles or other creative program structures tailored to fit the specific risk profile.

Learn more about the unique advantages of National Interstate’s large account customization and our other creative risk structures. 

More Than Just a Policy

Exceptional financial strength. Data-driven technology. Proactive safety advice. Highly skilled claims experts. These are just a few ways we provide exceptional value beyond the policy, especially when you need us most.

How We Do More

Our Industry Presence

The consistent and professional support we receive gives us peace of mind.

“Over the past two decades, our company has worked with several insurance carriers, but none compare with the claims service we have received from National Interstate. From the top down, the consistent and professional support we receive gives us peace of mind knowing that we have a stable insurance solution.”
Chris Hane Assisted Transportation

Their proactive approach and customer-focused service makes them stand out!

"National Interstate has been a strong collaborator in helping us protect our fleet and strengthen our safety culture. Their insurance program offers comprehensive coverage tailored to our needs, while the Loss Control team provides expert guidance that has improved our operations. The Claims team is responsive, efficient, and dedicated to minimizing disruptions. Their proactive approach to risk management and customer-focused service makes them stand out as an insurance carrier."
Gina Singh RydeTrans

Articles and Resources

Read more from our team about best practices, industry insights and relevant program information.

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UNDERSTANDING NON-EMERGENCY MEDICAL TRANSPORT OPERATION STANDARDS

Non-emergency medical transport (NEMT) operation standards are essential for ensuring patient access to healthcare services without the immediacy…

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SEATBELT SAFETY TIPS FOR NEMT & PARATRANSIT OPERATORS

This white paper was co-authored by the experts at Driverge Vehicle Innovations, National Interstate Insurance, and Vanliner Insurance. Through our…

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SAFR: LOWERING YOUR CLAIM FREQUENCY AND SEVERITY

Lower your claim frequency severity with SAFR - the easy-to-remember defensive driving method.

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CONTACT US

Please reach out if you are interested in connecting with an NEMT team member to learn more!

Contact Our Team

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