TransportationE&S market

Passenger transport (limo & NEMT)

Limousine, livery, shuttle, and non-emergency medical transportation (NEMT) operators.

Why it needs cover

The exposure

Transporting passengers for hire raises auto-liability limits and adds loading/unloading and passenger-injury exposure; NEMT passengers are medically fragile, driving high claim severity and abuse/molestation requirements.

What we place

Coverages this class usually needs

Commercial auto (for-hire livery)Required (state/PUC)

Passenger-carrying accidentsCore exposure

General liabilityOften (broker/contract)

Loading/unloading and premisesCurb-zone injury

Abuse & molestation (SAM)Often (broker)

Allegations against driversVulnerable passengers

Workers' compensationRequired (with employees)

Driver injuriesOn-road/loading risk

HNOAOften

Personal vehicles for workMixed fleets

What it costs

National benchmark premiums

Rated on: Per vehicle

General liability

bundled; $1M/$2M GL is a standard NEMT contract requirement

Commercial auto

NEMT sedans/minivans $5,500-$9,000/yr; wheelchair vans $7,500-$13,500/yr; stretcher vans $9,000-$16,000/yr for $1M liability

Workers' comp

driver WC roughly $4-$8 per $100 of payroll

Total annual (typical)

most NEMT operators $5,500-$13,500 per vehicle/yr; passenger carriers often required to carry $1M-$5M auto liability

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: InsureLimos; Elite Medical Financials; Bridgeway Insurance; CNS Insurance.

When it goes E&S

Where this risk gets hard to place

Only ~30 carriers actively write NEMT; limited capacity, medically fragile passengers, and abuse/molestation exposure keep much of passenger transport in specialty/E&S markets.

Contact

Talk to us about Passenger transport (limo & NEMT).

Send the basics once. Our team and our AI agents route your risk to carriers with genuine appetite, package the submission, and handle the carrier follow-up.