Non-Emergency Medical Transport (NEMT) sits at a complex crossroads of auto liability, professional responsibility, and vulnerable passenger care.
For brokers providing Auto Liability, General Liability, Umbrella, and Auto Physical Damage for NEMT fleets, even minor changes in market appetite can significantly affect renewals, limits, and program structure.
A Sector That Demands Specialist Understanding
NEMT risks are fundamentally different from standard fleet business. Operators range from small, privately owned fleets to large, enterprise platforms coordinating millions of rides annually. Services are often arranged through third parties such as nursing homes, medical centers, or state programs. Drivers have a heightened duty of care, helping passengers who may be elderly, disabled, or medically vulnerable.
These situations create exposures that generic fleet wordings cannot fully address. Successful placement depends on a deep understanding of how NEMT businesses actually operate and how claims arise in practice.
A London Market Facility Built for NEMT
Consilium was the first team in the London Market to specialize exclusively in NEMT. That long-standing focus has shaped an underwriting facility designed specifically for the operational, contractual, and liability challenges of medical transport fleets.
Our NEMT lineslip provides brokers with speed, certainty, and a consistent underwriting appetite at a time when those qualities are increasingly valuable. The facility offers flexible solutions across:
Auto Liability (owned, hired, and non-owned)
General Liability
Umbrella
Auto Physical Damage
Sexual Misconduct Liability
Excess capacity is available, with the ability to schedule multiple coverages within the umbrella structure where appropriate.
Primary Auto Liability is typically written at USD 1m Combined Single Limit, shared between driver (sum-limited) and platform, with excess layers available for operators seeking additional protection. Primary General Liability limits of USD 1m / USD 2m are also available.
Designed for Real-World Operations
The facility is designed based on the daily operations of NEMT risks, rather than their appearance on paper. Key features include:
ISO-based policy form – bespoke Symbol 10 language
Usage-based insurance and dynamic pricing, where appropriate
Local claims handling via a TPA
Coverage to accommodate owned, hired, and non-owned vehicles
Regular reporting of exposure and claims data improving the client / carrier relations
This structure enables brokers to provide clearer placements, minimize friction during claims, and offer insureds a better understanding of their coverage response.
Why Brokers Turn to Consilium for NEMT
Consilium’s NEMT team has a well-established, market-leading track record and extensive product knowledge. Our practical underwriting expertise, combined with broad access to A rated global carriers, allows us to deliver a strong commitment to service, with inquiries acknowledged within one working day.
When capacity shifts, being a specialized partner who understands both the risks and the market allows us to respond quickly to programs that need rethinking or restructuring.
A Reliable Route
Market conditions will continue to fluctuate, but the fundamentals of NEMT risk will remain the same: vulnerable passengers, heightened duty of care, and complex liability concerns. Brokers placing these risks need stable solutions informed and built for the long-term. Consilium’s NEMT facility provides a clear, proven route for brokers seeking dependable London Market capacity, backed by specialist expertise.
If you are placing NEMT risks and need speed, certainty, or additional capacity, our specialist team is ready to support your next placement. Contact Ted Pike or James Baber today to learn more.
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