Commercial Auto

Medical Transport Insurance
NEMT & Wheelchair Vans

Non-emergency medical transportation insurance written to what Medi-Cal and the transportation brokers actually ask for — $1,000,000 liability, the abuse and molestation endorsement, and certificates that get accepted the first time.

Get A Commercial Quote (951) 695-1500

$1,000,000 liabilityBroker-ready certificatesMedi-Cal enrollment supportHablamos Español

What The Policy Covers

Coverage Built For
Passengers Who Depend On You

Everything the brokers check on your certificate, in one policy.

Commercial Auto Liability

Injury and damage while transporting passengers. Brokers require $1,000,000 combined single limit for vans up to 7 passengers — higher for larger vehicles.

Abuse & Molestation

The endorsement every Medi-Cal broker now requires, typically $1,000,000. Most standard commercial auto policies leave it out; ours includes it.

Lift & Equipment

Physical damage on the van including the wheelchair lift, ramp and securement equipment — the part a standard policy values at zero.

Hired & Non-Owned Auto

When a driver uses a personal vehicle for a trip, or you rent a backup van. Brokers ask for it; so do the plans.

General Liability

Loading, unloading, transfers at the door — the injuries that happen when the van is parked.

Workers' Compensation

Required for every driver you employ. Written alongside the auto policy so the certificate holder sees one agency, one set of dates.

California Requirements

What Medi-Cal And
The Brokers Ask For

DHCS Medi-Cal provider enrollmentEnrollment through the PAVE portal: commercial vehicle registration, proof of commercial insurance, driver licenses, first aid and CPR cards, drug and alcohol tests, and the MCSA-5875/5876 medical forms for each driver.

Vehicle Safety Systems Inspection (VSSI)Since March 27, 2025 every NEMT vehicle needs a VSSI certificate from a Bureau of Automotive Repair station before enrollment. We tell you what the inspector looks at.

Broker certificate requirementsThe managed-care plans route trips through transportation brokers, and each broker publishes its own certificate rules: limits, endorsements, the additional insured wording. We write to the broker you work with.

Commercial registration and driver filesEvery van registered commercially, every driver with a clean DMV printout on file. We pull the MVRs before we quote so there are no surprises at binding.

Get A Commercial Quote

Tell Us About
Your Vehicles

A licensed commercial agent calls you back the same business day. Have your broker name and the certificate requirements handy if you already have them — it makes the quote exact.

Hablamos Español. Every branch has a bilingual agent.

Business name

Your name

Phone

City / base location

Number of vehicles

Vehicle types

Wheelchair van Gurney / litter van Sedan / minivan (NMT) Bus / shuttle (8+)

Medi-Cal enrollment

Working with a broker?

Currently insured?

When do you need coverage?

Anything else

No obligation. We never sell your information. A licensed agent will contact you within one business day.

Got it — we'll call you.

A commercial agent will reach out within one business day. Need it faster? Call (951) 695-1500.