Insurance is one of the most misunderstood and underestimated parts of starting and scaling a non-emergency medical transportation (NEMT) business. It’s also one of the most critical. Without proper coverage, a provider is exposed to financial, legal, and operational risks that can shut a business down before it ever stabilizes. NEMT insurance is not the same as standard commercial auto insurance. It’s a specialized space that requires carriers and brokers who understand medi