Non Emergency Transportation Insurance Baton Rouge

— Call 1-888-260-6801

Non Emergency Transportation Insurance Baton Rouge

Are you looking for Non Emergency Medical Transportation Insurance in Baton Rouge Louisiana or the surrounding areas?

If so, there are three different ways to request information and quotes for this specialized type of coverage.

  • Call 1-888-260-6801 Monday through Friday up until 4:30 PM.
  • Use our online chat system
  • Send us an online request

Jeff Davis Insurance offers NEMT Insurance in Baton Rouge and throughout the state of Louisiana.

Send your online request using any of the below links. Please use the link that matches up to your operating area or the closest vicinity:

Non Emergency Transportation Insurance Baton Rouge — Having Trouble Finding Coverage?

If you’re having trouble finding coverage for NEMT Insurance in Baton Rouge you’re not alone.

Very few if any insurance carriers are willing to underwrite policies for Nonmedical Transportation Companies because the potential claim payouts are much greater versus traditional companies using vehicles in their business.

We carefully considered this issue by considering a fictitious claim scenario between two different companies.  Old Foggy Nonmedical Transport vs Acme HVAC LLC.

Insurance claim Payout for Old Foggy Nonmedical Transport amounted to $827,212 vs $50,000 for Acme HVAC LLC…a HUGE difference.

Why is there such a large disparity between the two in claim payouts?

The liability portion of the Commercial Automobile Insurance Policy includes coverage for Bodily Injury and Property Damage that kicks in automatically when liability is accepted because of a claim event.

The passengers in the minivan that were driven by Stan + those in the minivan Stan hit were both able to collect on the policy insuring Old Foggy Nonmedical Transport.  

In contrast only the passengers in the mini van that Rick hit in the case of Acme HVAC LLC were able to collect.

One other factor applies as well.  Passengers of Nonmedical transportation companies may already be in poor health and susceptible to greater harm or injury because of their existing poor health conditions making claim payouts greater.

It’s simply more risky for the insurance company to offer insurance for a Transportation company versus a tradition company such as our HVAC example.

This fact really scares insurance companies away.  Insurers are really no different than any for-profit enterprise — they want to make money!

If there is a chance for decreased earnings or even losses that harm the bottom line, most insurance companies will avoid offering lines of business such as NEMT Companies that have the potential to decrease earnings.

There is one other factor that comes into play making this line of business very pricey.

As we have considered few Insurance underwriters offer Louisiana NEMT Insurance. 

When there are few competitors offering any type of product or service — including insurance there is no reason for companies to compete.

Few competitors = higher pricing. It’s simple economics. 

Non Emergency Transportation Insurance Baton Rouge — Call Jeff Davis Insurance.

We offer NEMT Insurance in Baton Rouge and all Parishes of Louisiana.

Call us direct by dialing toll free 1-888-260-6801 Monday through Friday up until 4:30 PM.  If you find our website after hours use our chat system or send us a request online by using any of the below links:

Non Emergency Transportation Insurance Baton Rouge