About this episode
Marc Crawford, director of transportation and NEMT program leader at Swan Insurance, which writes in 42 states for more than 100 operators, says a compliant NEMT business carries three lines of coverage: commercial auto, general liability, and a sexual abuse and molestation policy. State minimums are not the target; Crawford matches limits to the ride vendor contract, which can mean 1 million dollars in commercial auto, 1 million in general liability, and 500,000 in SAM coverage. He tells one-vehicle operators to budget 800 to 1,000 dollars a month across all lines and to start 7 to 10 business days before coverage has to be bound.
Key takeaways
- Florida sets its commercial auto floor at 300,000 dollars and Connecticut at 1.5 million, but Crawford says the state number is the wrong benchmark. The contract you are chasing sets the real one.
- The mistake Crawford cleans up most often: a generalist broker writes a policy that excludes loading and unloading, the ride vendor reads the exclusion, and the operator gets declined.
- An Orange County operator ran vehicles with drivers who could help a rider off the curb but could not secure a wheelchair inside the van. Crawford retrained the whole crew the next day.
- Crawford wears the certified transport specialist patch and points drivers to the wheelchair securement module. Vehicles get a decal, which he says reassures adult children booking rides for a parent.
- Broker volume swings week to week, so Crawford pushes a mix. Private dialysis riders book three months ahead, which makes that revenue calculable in a way broker dispatch never is.
Chapters
- 0:00 Introduction
- 1:24 Marc's background
- 3:30 Overview of NEMT insurance
- 6:15 Insurance buying journey
- 9:45 Mistakes in insurance
- 13:33 Turn-around story
- 16:50 Driver compliance badge
- 18:44 Dollar cost of insurance
- 23:59 Final takeaway
