DOES YOUR MEDICAL TRANSPORTATION INSURANCE COVER YOUR UNIQUE RISKS?

Medical transporters and ambulance operators face some of the most stressful conditions any driver can encounter. Emergencies with tight deadlines combined with traffic congestion create unique risks on the road that are often impossible to avoid.

Whether you transport patients or medications, the right coverage helps shield you against risks ranging from malpractice claims to automobile liability. Our ambulance and medical transportation insurance policies are designed to meet the specialized needs of the medical transportation industry while being tailored to your organization’s individual needs. With personalized attention from our medical transportation insurance advisors, you get the right coverage to protect your business so you can focus on your precious cargo.

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Healthcare Insurance

OUR AMBULANCE INSURANCE TEAM UNDERSTANDS YOUR UNIQUE RISKS AND WILL CUSTOMIZE A QUALITY PROGRAM

Core Coverages

  • Commercial auto & trucking
  • Hired & Non-Owned Auto Liability
  • Medical malpractice
  • General liability
  • Commercial umbrella & excess
  • Employment practices liability
  • Pollution liability
  • Equipment breakdown
  • Inland marine
  • Cyber liability
  • Management liability
  • Errors & Omissions
  • Environmental / pollution liability
  • Self-insured programs / Captives

Specialized Coverage Options

  • Occurrence
  • Claims-made
  • Tail insurance
  • Prior acts
  • Consent-to-settle protection
  • HIPAA liability
  • Billing errors

Protect Your Employees

  • Workers’ compensation
  • Employment practices liability
  • Directors & Officers
  • Safety consulting
  • Medical & dental insurance
  • Life, disability, and long-term care
  • 401(k) plans
  • Payroll & HR solutions

Protect Your Patients

  • Patient evacuation
  • Abuse & molestation coverage
  • Assault & battery coverage
  • Crime & active assailant
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The World Difference

World’s ambulance and medical transportation insurance team understands the unique risks commercial drivers face when working in the healthcare sector. We customize insurance plans to cover medical and transportation risks of all emergency and non-emergency vehicles in your medical fleet.

With decades of experience providing customized commercial insurance plans to organizations in the healthcare and transportation industries, World is uniquely positioned to supply tailored insurance policies for emergency and non-emergency medical transport. Leveraging our extensive network of carrier relationships allows us to offer a wide range of competitive coverages with favorable terms at the best rates available. We couple our extensive coverage options with exceptional customer service that simplifies every interaction from finding the coverage you need to handling complex claims.

EXCEPTIONAL SERVICE EXPERIENCE

  • Comprehensive plan review & consultation
  • Exposure identification & analysis
  • Self-insurance feasibility studies
  • Alternative risk financing analysis
  • Coverage & cost comparisons
  • Program marketing & carrier negotiations
  • Multiple A+ rated carriers in all 50 states
  • Risk management & loss control services
  • Claims advocacy services
  • Online certificate printing & policy summaries
  • White-glove customer service experience
  • Direct access to your service team

OUR MEDICAL TRANSPORTATION AREAS OF SPECIALIZATION

  • Ambulance
  • Paratransit programs
  • Wheelchair transport
  • Stretcher transportation
  • Door-through-door transport
  • Curb-to-curb transport
  • Non-emergency medical transport
  • Elderly & social service providers
  • Adult day care providers

FAQ ABOUT AMBULANCE AND MEDICAL TRANSPORTATION INSURANCE

What is ambulance and medical transportation insurance?

Ambulance and medical transportation insurance is a combination of commercial insurance coverages tailored to the needs of business owners in the medical sector. Policies are customized based on the type of services a facility provides, which may include emergency medical services (EMS) and non-emergency medical transportation (NEMT). Some of the most common coverages include commercial auto, general liability, malpractice coverage, property damage, and equipment breakdown coverage.

Who needs ambulance and medical transportation insurance?

Anyone who provides medical transportation services, including EMS providers and NEMT providers, needs commercial ambulance insurance. A customized policy is essential for risks such as accidents, lawsuits, medical equipment thefts, data breaches, and vehicle damage. Whether you provide emergency services or non-emergency medical transportation, it’s crucial to have a personalized policy that covers exposures related to the services you provide.

How much does ambulance and medical transportation insurance cost?

The cost of an ambulance and medical insurance policy depends on many factors, including the number of vehicles you use, your territory demographics, driver loss records, the types of coverage you need, your policy limits, and more. The best way to get a sense of the cost is to get a complimentary quote from one of our medical transportation insurance advisors. They will explain your options and answer your questions.

What’s the difference between ambulance insurance and non-emergency medical insurance coverage?

Different types of healthcare facilities have unique risks and require tailored healthcare insurance coverage. For example, clinics and private practices may want higher limits for medical malpractice, general liability, and cyber insurance. Hospitals may decide to add broader coverages such as hospital professional liability, environmental liability, and business interruption insurance. Laboratories and diagnostic centers may want to increase their errors & omissions and equipment breakdown coverages due to their unique outputs. It is important to work with a seasoned healthcare business insurance advisor with experience in your industry who can customize a program to your specific needs.