Specialized Coverage & Filings for California Medical Transport Providers

Keeping California’s Medical Transportation Fleets Protected & Compliant

Non-Emergency Medical Transportation (NEMT) is a vital service across California, helping seniors, patients, and individuals with mobility challenges reach life-saving medical appointments, dialysis centers, and care facilities.

However, operating an NEMT business comes with unique regulatory hurdles and strict insurance mandates. Standard commercial auto policies simply do not cover the specialized risks of passenger transfer, mobility equipment, and broker compliance.



At Callidus Insurance Solutions, we specialize in comprehensive insurance packages for NEMT operators, wheelchair van services, ambulettes, and gurney/stretcher transport providers. We make sure your fleet meets DHCS Medi-Cal rules, CPUC TCP requirements, and broker mandates so you can keep your vehicles on the road and your business generating revenue.

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?

Don't let insurance delays stop your growth. Whether you're launching a new wheelchair van service or looking to lower premiums on an established NEMT fleet, we're here to help. Contact us for a comprehensive policy review.