NEMT Insurance in 2026 — All You Need to Know! | NEMT Experts Podcast Episode 104
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In this Episode 104 of the NEMT Experts Podcast, we talk with Thomas Clancy, VP at Research Underwriters, a longstanding insurance broker in the transportation industry, on what NEMT business owners need to know in 2026 about getting the insurance they need in order to operate.Top 3 quotes
Top 3 takeaways:
1. Work with an NEMT-specialist broker
Tom’s point: insurance is too niche to “wing it” with someone who doesn’t live in transportation. The right broker helps you get correct coverages, meet contract requirements, and acts like an advisor as you grow.
2. The “must-have” coverage stack in 2026
He calls out Auto Liability + General Liability + Molestation as the core trio. The big idea: each covers different risk, and gaps are where lawsuits love to move in rent-free.
3. Safety tech + driver training can meaningfully impact underwriting.
Cameras (forward + rear facing), telematics, routing software, and documented driver training help reduce claims and help a broker present you as a “good risk.” He also stresses: don’t just “install cameras to check a box”… actually use the data for coaching.
Top 3 quotes:
- Thomas Clancy: “You really need to work with a broker who knows the industry… you gotta create a partnership with them.”
- Thomas Clancy: “Every operator one or 100 should have a camera in every single vehicle, forward and rear facing.”
- Nirav Chheda: “If everyone is operating more safely, then the insurance costs for everyone go down.”
