NEMT insurance requirements
There is no single NEMT insurance requirement; each contract holder states its own, and the published ones differ. Modivcare's Mississippi manual points to its Transportation Provider Agreement. MTM Health's Nevada provider network requires general and auto liability of at least $1,500,000 each, with MTM as certificate holder and additional insured, plus workers' compensation. UTA's 5310 agreement requires a $2,000,000 combined single limit with UTA endorsed as additional insured. Under those sit Utah's legal floors: the 30/65/25 policy minimum and a $25,000/$500,000 uninsured motorist floor for anyone paid to carry passengers. FMCSA's $1,500,000 applies to for-hire passenger carriers in interstate commerce.
Updated . Written by Andre Beukers, principal at Redoubt, a commercial insurance agency in Salt Lake City, not a government office.
Who sets NEMT insurance requirements?
The holder of the contract you drive under, in its own document. In Modivcare's Mississippi provider manual the minimum sits in the provider agreement: "Insurance must meet the minimum requirements per the limits outline in the Agreement." MTM Health states its Nevada figure on its provider FAQ, and UTA sets its terms in its vehicle insurance requirements for 5310 sub-recipients. Get the insurance page of your agreement before you buy a policy; that page is the requirement.
42 U.S.C. 1396a(a)(87) names no insurance figure. It requires each state plan to check NEMT providers and drivers, by a mechanism "which may include attestation," for exclusion from federal health programs, a valid driver's license, a drug-law process and disclosed driving history.
Under the contract sit the legal floors. Utah's minimum for a liability policy issued or renewed on or after January 1, 2025 is $30,000 per person, $65,000 per accident and $25,000 property damage (31A-22-304), and 31A-22-305(5)(b) requires anyone paid to carry passengers to carry uninsured motorist coverage of at least $25,000 per person and $500,000 per accident.
| Who asks | Auto liability | Also required | How the holder is named |
|---|---|---|---|
| MTM Health, Nevada providers | $1,500,000 | General liability $1,500,000; workers' compensation per state law | Certificate holder and additional insured on both policies |
| Modivcare, Mississippi manual (2024) | Set in the Transportation Provider Agreement | Insurance records resent as renewed | As the Agreement says |
| UTA, 5310 sub-recipients | $2,000,000 CSL, owned, hired and non-owned | Collision and comprehensive to 100% of Project Equipment value | Additional insured by policy endorsement |
| Veyo, independent drivers | No special insurance, Veyo says | Rideshare endorsement on the personal policy recommended | Veyo says its commercial liability covers its drivers |
Does FMCSA require $1.5 million for NEMT?
Only for a for-hire passenger carrier in interstate commerce. 49 CFR 387.27(a) applies the passenger rules "to for-hire motor carriers transporting passengers in interstate or foreign commerce," and 387.33T sets $1,500,000 for a vehicle seating 15 or fewer including the driver and $5,000,000 for 16 or more. FMCSA counts the largest vehicle: the minimum is "determined by highest seating capacity of a vehicle within a fleet."
Who pays does not settle the for-hire question: FMCSA says you can be a for-hire passenger carrier "regardless of whether" you are compensated "directly or indirectly" and whether the compensation "is paid or not paid by the passengers." The other condition is interstate commerce. 49 CFR 390.5T counts as interstate commerce transportation "Between a place in a State and a place outside of such State," and Utah's Medicaid manual says Modivcare covers "up to 120 miles of one-way travel into out-of-state border communities." Settle those trips with your agent before accepting them.
eCFR marks 387.33 "suspended, effective Jan. 14, 2017" and 390.5 "suspended indefinitely"; 387.33T and 390.5T carry the same schedule and definition with no suspension note. The suspended 387.33 also had a paragraph for transit providers funded by 5307, 5310 or 5311 grants in a service area spanning more than one state, setting "the highest level required for any of the States in which it operates"; 387.33T has no such paragraph.
What insurance does Modivcare require?
Whatever its provider agreement says; its Mississippi manual, dated February 2024, publishes no figure. The manual points to the contract: insurance must meet "the limits outline in the Agreement," and the insurance records the agreement requires "must be sent to Modivcare’s Compliance and Credentialing Department as they are renewed and updated." For Utah, ask Modivcare whether its Utah agreement states a limit; the Utah Medicaid manual states none. Hand that page to your agent before anything is bound.
The manual also puts insurance in the van: each vehicle carries "vehicle registration, proof of insurance card, and accident procedures and forms." Modivcare's provider page says it conducts field visits "to confirm vehicles are up to contract standards" and lists an NEMT insurance program among perks providers are eligible for, not as a condition.
How do I become a Medicaid transportation provider in Utah?
Through a broker, not through Medicaid. Utah's medical transportation provider manual, updated July 2026, says the state contracts with UTA, CATS, Modivcare and tribal transportation, that other providers "can only do so through a brokerage with the already contracted providers," and that "Medicaid does not accept applications for additional NEMT providers." Modivcare is "the statewide NEMT broker, meaning Modivcare contracts with local transportation entities to provide NEMT services."
Modivcare's rides go to members who meet the manual's criteria, such as members who "Do not have regular access to a licensed vehicle in the household and live outside UTA/CATS service areas," and members document their eligibility for "curb-to-curb or beyond-the-curb services (Paratransit or Modivcare)." So ask Modivcare for the Utah Transportation Provider Agreement and read its insurance section before you buy a policy.
What do NEMT brokers look for when choosing a provider?
Modivcare's Mississippi manual answers for one broker: monitored drivers, inspected vehicles and current paperwork. Beyond the federal checks, "All drivers must be enrolled in MVR Monitoring with Samba Safety," and "Drivers who receive any combination of two (2) moving violations or accidents where the driver was at fault during the previous thirty-six (36) months shall be removed from service." Each vehicle must be registered with Modivcare "prior to performing services and must undergo an initial inspection," insurance records go back to Modivcare as they renew, and providers "must immediately suspend drivers who fail to secure wheelchair-bound Members properly."
The same records go to the insurer. RT Specialty's NEMT workers' compensation application asks whether MVRs are verified at hire and every six months and whether securement procedures are written; RISCOM's NEMT supplemental application asks about drug tests, road tests, MVR review and securement training. Build the driver roster once and keep it current for both.
What does an NEMT certificate of insurance need to show?
The holder's name, in the role its document gives it. MTM Health's Nevada FAQ asks to be listed "as a Certificate Holder and Additional Insured on both polices" and does not say whether it wants an endorsement. UTA does: "The policy shall be endorsed" with its own additional insured wording, reaching automobiles "owned, leased, hired, or borrowed by the Contractor." For UTA, a certificate naming it as additional insured is not enough without that endorsement on the policy; ask MTM what proof it accepts.
Keep it continuous. UTA requires coverage to "continue uninterrupted throughout the Project Activity Period," and Modivcare's Mississippi manual asks for insurance records again "as they are renewed and updated."
What insurance does a wheelchair or paratransit business need?
Whatever the contract holder names, and the two published sets differ. MTM's Nevada network asks for general and auto liability at $1,500,000 each and workers' compensation "that meets state requirements." UTA asks its 5310 sub-recipients for more on the vehicle: a $2,000,000 combined single limit for "any owned, hired, and non-owned vehicles," and collision and comprehensive of "at least 100 percent of the Project Equipment value," with the same wording for uninsured motorist.
UTA also reminds sub-recipients that vehicles "with a GVWR over 10,000 pounds or which carry more than 15 passengers, including the driver, are required to meet FMCSR" unless an exception applies, and that the more stringent limit wins where the two conflict.
What does an NEMT insurance application ask?
Who rides, in what, how far, and who drives. RISCOM's Louisiana NEMT supplemental application, an edition dated 2018-10-05 on its footer, asks for the share of wheelchair, stretcher and door-to-door trips, the radius and vehicle photos, and states "Program requires a minimum of 1 year in business." It asks whether drivers are "trained in the proper use of securement equipment for all types of wheelchairs," and an applicant without cameras "must install dual facing dash cameras in each power unit transporting passengers as a mandatory requirement for eligibility."
Answer the independent-driver question carefully. The same form says the program "requires no true hired or non-owned exposure," and signing confirms no such exposure from employees or contractors "operating personal vehicles for applicant’s business." If your drivers use their own cars, say so and place the risk where it fits. RT Specialty's form states the stakes: "Terms of insurance coverage may be canceled for misrepresentation if information provided is inaccurate."
What to have ready for the broker and the insurer
The credentialing desk and the underwriter ask for the same facts.
- 1.The insurance section of the broker or grant agreement
- 2.Each vehicle's VIN, seating, value, photos, and any lift or ramp
- 3.Each driver's name, date of birth, license number and experience
- 4.Trip mix: ambulatory, wheelchair, stretcher; curb-to-curb, beyond the curb or door-to-door
- 5.Service area, radius, and any trips across a state line
- 6.Employees or independent drivers, and whose vehicles they drive
- 7.Payroll, for workers' compensation
- 8.Prior insurance and five years of losses
- 9.Written training, safety and securement procedures
How much does it cost to start an NEMT business?
No broker or state document pulled for this page publishes a startup figure, and revenue is negotiated too: Modivcare's Mississippi manual pays providers under each agreement's terms, and MTM's Nevada FAQ says rates are set with each provider individually. The costs the documents create are the ones above: liability at the broker's limit, workers' compensation, physical damage where a grant requires it, and equipment an insurer can require, such as dash cameras.
Does one 16-seat vehicle change the federal limit for the whole fleet?
For an interstate for-hire passenger carrier, yes. FMCSA sets the minimum by the highest seating capacity in the fleet, so one vehicle seating 16 or more including the driver moves the floor from $1,500,000 to $5,000,000.
Does Utah Medicaid set its own insurance minimum for NEMT providers?
Not in its provider manual. Utah's medical transportation manual, updated July 2026, states no insurance figure for NEMT providers and routes them through a brokerage with the contracted providers, so ask Modivcare what its Utah agreement requires. Utah's statutory floors apply either way.
Where these answers come from
Each entry carries the exact words of the source so you can check it yourself. Forms, rules and carrier pages change; read the current version before acting.
- 1. Utah Medicaid Provider Manual, Medical Transportation Services, 8-2.4 Modivcare
“Modivcare is the statewide NEMT broker, meaning Modivcare contracts with local transportation entities to provide NEMT services.”
medicaid-documents.dhhs.utah.gov, accessed October 3, 2026. Utah Medicaid Provider Manual, Medical Transportation Services, updated July 2026. The PDF host returns 403 to a request without a Referer; it loads with a medicaid.utah.gov referer or from the Official Publications listing. - 2. Utah Medicaid Provider Manual, Medical Transportation Services, 8-2.8 Provider participation
“Medicaid has contracted with UTA, CATS, Modivcare, and tribal transportation to provide NEMT services. Other providers interested in providing the NEMT to Medicaid members can only do so through a brokerage with the already contracted providers. Medicaid does not accept applications for additional NEMT providers.”
medicaid-documents.dhhs.utah.gov, accessed October 3, 2026. Utah Medicaid Provider Manual, Medical Transportation Services, updated July 2026. The PDF host returns 403 to a request without a Referer; it loads with a medicaid.utah.gov referer or from the Official Publications listing. The manual's text never uses the word "insurance" and states no limit for providers (checked 2026-10-03). - 3. Utah Medicaid Provider Manual, Medical Transportation Services, 8-2.4, first Modivcare criterion
“Do not have regular access to a licensed vehicle in the household and live outside UTA/CATS service areas.”
medicaid-documents.dhhs.utah.gov, accessed October 3, 2026. Two further criteria cover members who cannot use a private vehicle or public transit for medical reasons, with a primary care provider's certification. - 4. Utah Medicaid Provider Manual, Medical Transportation Services, 8-2.9 Member eligibility
“Members are required to provide supporting documentation to determine their eligibility for curb-to-curb or beyond-the-curb services (Paratransit or Modivcare).”
medicaid-documents.dhhs.utah.gov, accessed October 3, 2026. Utah Medicaid Provider Manual, Medical Transportation Services, updated July 2026. The PDF host returns 403 to a request without a Referer; it loads with a medicaid.utah.gov referer or from the Official Publications listing. The manual does not use the phrase "door-to-door". - 5. Utah Medicaid Provider Manual, Medical Transportation Services, 8-4.1 out-of-state transportation
“Modivcare provides NEMT services statewide, including up to 120 miles of one-way travel into out-of-state border communities.”
medicaid-documents.dhhs.utah.gov, accessed October 3, 2026. Utah Medicaid Provider Manual, Medical Transportation Services, updated July 2026. The PDF host returns 403 to a request without a Referer; it loads with a medicaid.utah.gov referer or from the Official Publications listing. - 6. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), Insurance, Licensure and Certification
“A copy of all insurance, licensure, and certification records required by the Transportation Provider Agreement must be sent to Modivcare’s Compliance and Credentialing Department as they are renewed and updated. Insurance must meet the minimum requirements per the limits outline in the Agreement.”
modivcare.com, accessed October 3, 2026. Modivcare's description of its own provider terms in Mississippi. No limit figure appears in the manual; Utah's agreement was not available to read. - 7. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), vehicle requirements
“All vehicles shall carry a vehicle information packet containing vehicle registration, proof of insurance card, and accident procedures and forms.”
modivcare.com, accessed October 3, 2026. The manual's vehicle record list, in the same document, includes "Insurance certifications" for each vehicle. - 8. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), driver requirements
“Drivers who receive any combination of two (2) moving violations or accidents where the driver was at fault during the previous thirty-six (36) months shall be removed from service.”
modivcare.com, accessed October 3, 2026. The same item requires every driver to be enrolled in MVR Monitoring with Samba Safety. - 9. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), driver requirements, item 2
“All drivers must be enrolled in MVR Monitoring with Samba Safety.”
modivcare.com, accessed October 3, 2026 - 10. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), Vehicle Inspections
“All Transportation Provider network vehicles used in the NEMT Program must be registered with Modivcare prior to performing services and must undergo an initial inspection, to be repeated on at least a semi-annual or annual basis thereafter based on Client requirements.”
modivcare.com, accessed October 3, 2026 - 11. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), Wheelchair Safety
“Transportation Providers must immediately suspend drivers who fail to secure wheelchair-bound Members properly from providing NEMT Program services under the Transportation Provider Agreement with Modivcare.”
modivcare.com, accessed October 3, 2026 - 12. Modivcare, Mississippi Medicaid Transportation Provider Manual (February 2024), Rates
“Transportation Providers are paid pursuant to the terms of their Agreements with Modivcare.”
modivcare.com, accessed October 3, 2026 - 13. Modivcare, Transportation Providers/Drivers page, Training and Credentialing
“Modivcare is moving toward an automated approach to transportation provider credentialing to ensure compliance with safety and quality standards, which is why we: Conduct field visits of our providers to confirm vehicles are up to contract standards”
modivcare.com, accessed October 3, 2026 - 14. Modivcare, Transportation Providers/Drivers page, Insider program perks
“Insurance program: built for NEMT providers including tools specific to their needs”
modivcare.com, accessed October 3, 2026. Listed under what Insider program members are "eligible for"; the page does not make it a condition of contracting. - 15. MTM Health, Nevada Transportation Providers, FAQ on insurance coverage
“All transportation providers must have general and automobile liability policies of no less than $1,500,000 each. MTM Health must be listed as a Certificate Holder and Additional Insured on both polices. Additionally, your company must hold worker’s compensation insurance that meets state requirements.”
mtm-inc.net, accessed October 3, 2026. MTM's own requirement for its Nevada network, typo ("polices") as printed. MTM is not Utah's Medicaid broker. - 16. MTM Health, Nevada Transportation Providers, FAQ on trip rates
“All details regarding rates are discussed and determined with transportation providers on an individual basis.”
mtm-inc.net, accessed October 3, 2026 - 17. Utah Transit Authority, 5310 vehicle insurance requirements, 1.1.9 automobile liability
“Automobile Liability -Bodily Injury and Property Damage for any owned, hired, and non-owned vehicles used in the performance of this Contract. Combined Single Limit (CSL) $2,000,000.00”
rideuta.com, accessed October 3, 2026. UTA, Vehicle Insurance Limits and Statement of additional insured, for 5310 sub-recipients. Two-page PDF, created March 20, 2023; the same file is served at darepay.rideuta.com. - 18. Utah Transit Authority, 5310 vehicle insurance requirements, 1.1.9(a) additional insured endorsement
“The policy shall be endorsed to include the following additional insured language: “The Utah Transit Authority shall be named as an additional insured with respect to liability arising out of the activities performed by, or on behalf of the Contractor, including automobiles owned, leased, hired, or borrowed by the Contractor.””
rideuta.com, accessed October 3, 2026. Page 2 adds: "Insurance policy must list UTA as additional insured unless an indemnity pool insurance policy." - 19. Utah Transit Authority, 5310 vehicle insurance requirements, 1.1.3 collision
“Collision – An amount equal to at least 100 percent of the Project Equipment value during the period of coverage or minimum specified by State and Federal law, whichever is greater.”
rideuta.com, accessed October 3, 2026. Items 1.1.4 (comprehensive) and 1.1.5 (uninsured motorist) use the same 100 percent wording. - 20. Utah Transit Authority, 5310 vehicle insurance requirements, 1.1.8 federal motor carrier rules
“Unless covered by an exception, motor vehicle equipment with a GVWR over 10,000 pounds or which carry more than 15 passengers, including the driver, are required to meet FMCSR.”
rideuta.com, accessed October 3, 2026. The item continues: "the more stringent shall be followed in case of conflicting coverage limits." - 21. Utah Transit Authority, 5310 vehicle insurance requirements, 1.1.7 continuous coverage
“This insurance will continue uninterrupted throughout the Project Activity Period.”
rideuta.com, accessed October 3, 2026 - 22. 49 CFR 387.27(a), applicability of the passenger carrier rules, eCFR
“This subpart applies to for-hire motor carriers transporting passengers in interstate or foreign commerce.”
ecfr.gov, accessed October 3, 2026. Paragraph (b) excepts school transport, taxicab service under 7 seats not on a regular route, commuter trips under 16 people, and school-district extracurricular contracts. - 23. 49 CFR 387.33T, schedule of limits for for-hire passenger carriers, eCFR
“Any vehicle with a seating capacity of 15 passengers or less, including the driver 1,500,000”
ecfr.gov, accessed October 3, 2026. Two cells of the table; the row above reads 16 passengers or more, $5,000,000. eCFR marks 387.33 itself "suspended, effective Jan. 14, 2017"; 387.33T carries the same schedule with no suspension note. FMCSA's passenger page prints the same two figures. - 24. 49 CFR 387.33, effective date note, eCFR
“At 82 FR 5307, Jan. 17, 2017, § 387.33 was suspended, effective Jan. 14, 2017.”
ecfr.gov, accessed October 3, 2026. eCFR versioner, 2026-09-30. 387.33T carries no such note. - 25. 49 CFR 387.33(b), limits for transit service providers (suspended section), eCFR
“a motor vehicle used to provide transportation services within a transit service area located in more than one State under an agreement with a Federal, State, or local government funded, in whole or in part, with a grant under 49 U.S.C. 5307, 5310 or 5311, including transportation designed and carried out to meet the special needs of elderly individuals and individuals with disabilities, will be the highest level required for any of the States in which it operates.”
ecfr.gov, accessed October 3, 2026. Paragraph (b) of the suspended 387.33 (eCFR versioner, 2026-09-30); 387.33T has paragraphs (a) and (b) of the schedule only and no transit-provider paragraph. - 26. 49 CFR 390.5T, definition of interstate commerce, eCFR
“Interstate commerce means trade, traffic, or transportation in the United States— (1) Between a place in a State and a place outside of such State (including a place outside of the United States)”
ecfr.gov, accessed October 3, 2026. eCFR marks 390.5 suspended indefinitely; 390.5T carries the same definition with no suspension note. - 27. 49 CFR 390.5, effective date note, eCFR
“At 91 FR 45661, July 21, 2026, the suspension was lifted, § 390.5 was amended, and the section was again suspended indefinitely, effective July 21, 2026.”
ecfr.gov, accessed October 3, 2026. The last entry of the section's effective date note (eCFR versioner, 2026-09-30). - 28. FMCSA, Licensing and Insurance Requirements for For-Hire Motor Carriers of Passengers, Part 365
“You can be a for-hire passenger carrier regardless of whether: You are compensated directly or indirectly for the transportation service provided; The compensation is paid or not paid by the passengers; or You have a non-profit status.”
fmcsa.dot.gov, accessed October 3, 2026. Read in a browser; fmcsa.dot.gov returns 403 to curl. Page last updated July 31, 2019. - 29. FMCSA, Licensing and Insurance Requirements for For-Hire Motor Carriers of Passengers, Part 387
“Minimum levels of financial responsibility are determined by highest seating capacity of a vehicle within a fleet operated by an interstate for-hire motor carrier of passengers.”
fmcsa.dot.gov, accessed October 3, 2026. Read in a browser; fmcsa.dot.gov returns 403 to curl. - 30. 42 U.S.C. 1396a(a)(87), state plan requirement for NEMT providers and drivers (2023 edition, govinfo)
“provide for a mechanism, which may include attestation, that ensures that, with respect to any provider (including a transportation network company) or individual driver of nonemergency transportation to medically necessary services receiving payments under such plan (but excluding any public transit authority), at a minimum”
govinfo.gov, accessed October 3, 2026 - 31. 42 U.S.C. 1396a(a)(87)(B) to (D), the minimum checks (2023 edition, govinfo)
“(B) each such individual driver has a valid driver's license; (C) each such provider has in place a process to address any violation of a State drug law; and (D) each such provider has in place a process to disclose to the State Medicaid program the driving history”
govinfo.gov, accessed October 3, 2026. Item (A) is the exclusion check: not excluded from any Federal health care program and not on the HHS Inspector General's exclusion list. No item names insurance. - 32. Utah Code 31A-22-304(2), motor vehicle liability policy minimum limits
“a policy issued or renewed on or after January 1, 2025, containing motor vehicle liability coverage may not limit the insurer's liability under that coverage below the following: (a) (i) $30,000”
le.utah.gov, accessed October 3, 2026. The subsection continues with $65,000 per accident and $25,000 property damage, or a $90,000 single limit. - 33. Utah Code 31A-22-305(5)(b), uninsured motorist coverage for passenger carriers
“All persons, including governmental entities, that are engaged in the business of, or that accept payment for, transporting natural persons by motor vehicle, and all school districts that provide transportation services for their students, shall provide coverage for all motor vehicles used for that purpose, by purchase of a policy of insurance or by self-insurance, uninsured motorist coverage of at least $25,000 per person and $500,000 per accident.”
le.utah.gov, accessed October 3, 2026. Section effective May 6, 2026. - 34. RISCOM, Louisiana NEMT Supplemental Application (Ed. 20181005), applicant section
“Program requires a minimum of 1 year in business”
riscomins.com, accessed October 3, 2026. RISCOM's NEMT supplemental application (Word file). Its footer reads "Ed. 20181005"; the filename says 2020 and its power-unit history table starts at 2019-2020, and its LA State Police background-check question marks it as the Louisiana form. One program's form, quoted for what it asks. The same form asks for trip mix percentages, radius of operations and vehicle photos. - 35. RISCOM, Louisiana NEMT Supplemental Application (Ed. 20181005), scope of operations
“Are all drivers involved in wheelchair transportation trained in the proper use of securement equipment for all types of wheelchairs?”
riscomins.com, accessed October 3, 2026. RISCOM's NEMT supplemental application (Word file). Its footer reads "Ed. 20181005"; the filename says 2020 and its power-unit history table starts at 2019-2020, and its LA State Police background-check question marks it as the Louisiana form. One program's form, quoted for what it asks. Its driver screening section lists pre-hire and post-accident drug tests, road test and MVR review. - 36. RISCOM, Louisiana NEMT Supplemental Application (Ed. 20181005), equipment telematics
“If no, applicant must install dual facing dash cameras in each power unit transporting passengers as a mandatory requirement for eligibility.”
riscomins.com, accessed October 3, 2026. RISCOM's NEMT supplemental application (Word file). Its footer reads "Ed. 20181005"; the filename says 2020 and its power-unit history table starts at 2019-2020, and its LA State Police background-check question marks it as the Louisiana form. One program's form, quoted for what it asks. - 37. RISCOM, Louisiana NEMT Supplemental Application (Ed. 20181005), description of operations
“Program requires no true hired or non-owned exposure. By signing this application, applicant confirms no true hired/non-owned exposures exist from hired transporters or employees/contractors operating personal vehicles for applicant’s business.”
riscomins.com, accessed October 3, 2026. RISCOM's NEMT supplemental application (Word file). Its footer reads "Ed. 20181005"; the filename says 2020 and its power-unit history table starts at 2019-2020, and its LA State Police background-check question marks it as the Louisiana form. One program's form, quoted for what it asks. The form prints an asterisk before "Program". - 38. RT Specialty, NEMT Supplemental Workers' Compensation Application (form 040124), question 22
“Does operation have written procedures in place for securing wheelchairs?”
rtspecialty.com, accessed October 3, 2026. The same form asks whether MVRs are verified at hire and every six months, whether independent contractors are used and how they are paid, and whether subcontractors' certificates are kept on file. - 39. RT Specialty, NEMT Supplemental Workers' Compensation Application (form 040124), question 10
“MVR’s verified at time of hire? MVR’s verified every six (6) months after hire?”
rtspecialty.com, accessed October 3, 2026 - 40. RT Specialty, NEMT Supplemental Workers' Compensation Application (form 040124), signature attestation
“Terms of insurance coverage may be canceled for misrepresentation if information provided is inaccurate.”
rtspecialty.com, accessed October 3, 2026 - 41. Veyo, Drivers page, FAQ on special insurance
“We do not require any special insurance or additional coverage to drive with Veyo. However, we do recommend that you have a rideshare endorsement on your personal policy.”
veyo.com, accessed October 3, 2026. Veyo's own terms for its independent drivers; the page is written for Arizona. - 42. Veyo, Drivers page, Be Safe and Secure
“All Veyo Drivers are covered by commercial liability insurance, and passengers are verified for eligibility long before they get in your vehicle.”
veyo.com, accessed October 3, 2026
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This is general insurance information, not legal advice or a coverage determination. The policy forms, the endorsements the carrier issues, and the requirement in writing from whoever is asking control.