Innovative solutions for paratransit businesses

Lines of business*
  • Automobile liability
  • Physical damage
  • General liability
Liability coverage/limits*
  • Up to $1MM CSL
  • Higher limits available at the underwriter’s discretion
Physical damage*
  • Minimum $1,000 deductible for comprehensive and collision coverages
  • Minimum stated value of $10,000
  • Stated values greater than $100,000 must be accompanied by independent appraisal or build specifications
  • Units older than 10 years require underwriting approval. A current mechanic’s statement and photograph may be required at the underwriter’s discretion.
  • Referral required for seating capacity greater than 8
  • Units may be equipped with wheelchair ramps or lifts
  • Vehicles must have proper tie-downs for wheelchairs while in transport
  • Vehicles must display written procedures for loading and unloading passengers in wheelchairs
  • Surcharges may apply for vehicles with wheelchair access
Eligible operations*
  • For-hire transportation of patients on a contract or demand-response basis
  • Medicars and ambulettes
  • Vehicles owned and operated by social service organizations or medical facilities used to transport their clients/patients
  • Eligibility for rating under this classification requires a minimum of 100% of revenue from these types of operations. Contracts and/or financials may be requested for verification.
  • Insured must conform to all laws regarding having matrons/aides on vehicle
  • Patients must be belted in and strapped securely
Ineligible operations*
  • Ambulances or emergency vehicles equipped with lights and sirens
  • Risks that provide any medical, paramedical, or first aid service
  • Risks that transport oxygen
  • New ventures

To obtain more information about paratransit insurance with AGMI or to get more specific detail about the information outlined above, please fill out the form below.

*Eligibility of individual risks and availability of insurance services is ultimately determined by AGMI underwriting. You should consult the actual insurance policy or your broker for details regarding policy terms, conditions, coverage, exclusions, products, services, and programs which may be available to you. Your eligibility for particular products and services is subject to meeting underwriting qualifications and final acceptance by the insurance company providing such products or services.