Ambulance and Non-Emergency Medical Transportation Insurance Program


Meeting Your Clients’ Needs
Working with our insurance broker and carrier partners, Affinity Healthcare developed a specialized insurance program for Ambulance and Non-Emergency Medical Transportation that meets federal, state and local governmental agency requirements—and we’ve done it at a competitive rate.


Eligible Classes of Business

  • Emergency Transportation providers such as ambulance services
  • Non-Emergency Medical Transportation (NEMT) providers such as conveyance to medical appointments

Commercial Auto

  • Physical damage coverage
  • Single Limit Liability up to $3,000,000
  • Uninsured/Underinsured Motorists
    • Property damage UMC available in certain states
  • State-mandated Medical coverage available
  • Hired/Non-Owned Liability up to $1,000,000

Professional Liability

  • Professional Liability up to $1,000,000 each claim/up to $3,000,000 aggregate
  • Loading/Unloading Patient coverage
    • This important coverage is provided through our Healthcare Facilities Endorsement which removes the exclusion for injuries that arise out of loading or unloading patients from any automobile, aircraft or watercraft
  • Legal Expenses paid outside policy limits
  • Sexual Misconduct/Abuse coverage
  • Emergency Medical Treatment & Labor Act coverage
  • Defendant Expense Benefit up to $500 per day for lost wages and covered expenses

Commercial General Liability

  • General Liability up to $1,000,000 each claim/up to $3,000,000 aggregate
  • Personal and Advertising Injury Protection up to $1,000,000 each claim/up to $3,000,000 aggregate
  • Fire Legal Liability up to $50,000 aggregate
  • Medical Payments up to $5,000 aggregate

Excess Liability

  • Limits available up to $10,000,000
  • Sit over Commercial Auto, Professional Liability and Commercial General Liability

Additional Insurance Available

  • Commercial Property
  • Commercial Inland Marine
    • Portable Equipment

Financial Stability
The Affinity Healthcare program is underwritten by a large global carrier with strong financial stability, with an A.M. Best insurance company rating of “A+” (Superior) and a Standard and Poor’s credit rating of “AA-” (Very Strong).

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