NEMT Insurance for Central Valley Providers

Keeping Central Valley Medical Transportation Fleets Protected & Compliant

In the Central Valley, a medical appointment can be an hour's drive each way. Wheelchair van, gurney and ambulatory fleets here take patients to dialysis centers, clinics and hospitals across Fresno, Bakersfield, Stockton, Modesto and Visalia and the rural towns between them, many of them for Medi-Cal managed care plans and the transportation brokers that dispatch their trips.

Callidus Insurance Solutions insures multi-vehicle NEMT fleets throughout the Central Valley. We place commercial auto, general and professional liability, and physical damage for converted vans, and we issue the certificates your health plans, brokers and facilities require. Already insured? Send us your declarations page and loss runs 90 days before renewal and we will take your fleet to market.

Tailored Coverages for NEMT Operators

A single accident or patient injury can jeopardize your entire operation. We build complete, customized insurance packages designed specifically for the medical transport industry:

• Commercial Auto Liability:
• Protects your business against bodily injury and property damage claims. We provide limits tailored to meet or exceed CPUC standards and Medi-Cal broker requirements (typically $1,000,000 CSL or higher).
• Physical Damage & Mobility Equipment Protection:
• Standard auto policies only cover the vehicle’s base value. We ensure your policy fully covers expensive aftermarket conversions, including hydraulic wheelchair lifts, ramps, floor tracking systems, and gurney tie-downs.
• General & Professional Liability (Door-Through-Door Care):
• Covers non-driving incidents, such as passenger assistance injuries, slips and falls during pick-up or drop-off, or errors made while assisting a client into a facility.
• Sexual Abuse & Molestation (SAM) Coverage:
• A critical requirement for transportation providers working with vulnerable, elderly, or minor populations, often mandated by state brokers.
• Workers’ Compensation:
• NEMT drivers face high risks of back strain and injury when assisting passengers or loading equipment. We offer competitive Workers’ Comp solutions to protect your team and keep your agency compliant with California labor laws.
• Commercial Umbrella / Excess Liability:
• Provides higher policy limits above your primary liability to protect your assets against catastrophic claims involving medically fragile passengers.

Seamless Compliance with California Brokers & Agencies

Obtaining insurance is only half the battle—filing the proper paperwork is what gets your vans dispatching trips. We work directly with state regulatory portals and major transportation brokers to issue certificates and handle filings on your behalf:

1. Broker Credentialing Assistance

We issue compliant Certificates of Insurance (COI) that meet the strict requirements of top California Medi-Cal and managed care brokers, including:

• ModivCare (formerly LogistiCare)
• MTM, Inc.
• Access2Care
• SafeRide Health
• Local County Health Plans (L.A. Care, IEHP, CalOptima, Partnership, etc.)



2. CPUC & State Filings

• TCP Permits (Transportation Charter Party): We manage your PL914 insurance filings directly through the California Public Utilities Commission’s TCPortal.
• CHP & Motor Carrier Safety: Assistance in ensuring your fleet documentation satisfies California Highway Patrol BIT (Basic Inspection of Terminals) requirements.

Ready to Get Your Fleet Covered?

Running wheelchair or gurney vans in the Central Valley? Send us your current policy, vehicle list and loss runs. We will shop your fleet with our NEMT carriers and bring back options that meet your contract requirements.