Paratransit/Non-emergency Medical Transport

Providing coverage for non-emergency medical transportation, including special needs transportation, wheelchair vans and social service organizations.

Expert solutions carrying you forward.  We help you navigate the paratransit landscape, protecting your clients at every turn.

Paratransit is a vital part of public transportation.  More than 223 million passenger trips using paratransit services are recorded each year, serving tens of millions of riders in the U.S., and paratransit riders use this type of service an average of three times per month.

Draco, part of the Amwins Underwriting division,  offers an exclusive Paratransit insurance program that is distributed through a select group of retail brokers.  We understand how the impact of an unexpected crisis can have devastating effects on your insureds’ business.  Our specialists focus on product knowledge, precision, expediency, and trust, allowing paratransit professionals to focus on what they do best – managing their people, building their business, and transporting passengers.

Eligible accounts

  • Three years in business
  • Minimum five units
  • Non-emergency medical transportation
  • Special needs school transportation
  • Social service organizations (including vendors)
  • Wheelchair vans
  • Municipal special needs transportation

Ineligible accounts

  • Emergency response ambulances


  • Auto liability
  • Physical damage
  • GL/PL are also available via another carrier

Submission requirements

  • Industry standard application
  • Paratransit supplemental application
  • MVRs
  • Loss runs (minimum of 3 years)


Paratransit/NEMT Insurance
Program details


Admitted: ID, IL, IN, IA, KS, MN, MT, NE, NH, NC, ND, OK, SC, SD, TN, UT, VT, & WY.

Non-admitted: AL, AR, AZ, CA, CO, DE, GA, MD, MO, MS, NJ, OH, OR, PA, TX, VA, & WA.

Minimum premium



Auto liability - $1M


  • A.M. Best rated "A-" (Excellent) 
  • Admitted & non-admitted


Industry insight:

As a NEMT insurance provider that truly understands the unique needs of the paratransit industry, Draco's Dan Podolski shares his perspective on the safety measures and policies NEMT operators should implement to help reduce claims and insurance expenses.

Operators should be aware and consider the benefits of:

  1. Proper Tie-Down Procedures
  2. Passenger Safety Protocols
  3. Driver Training
  4. Vehicles Cameras