Workers' Comp Insurance
for Ambulance & NEMT Providers

​Tailored coverage from a trusted wholesale broker — competitive rates, strong risk management, and responsive claims handling.

Industry-Specific Coverage. Proven Risk Management.

Our Workers’ Compensation Insurance Program is designed exclusively for Ambulance and Non-Emergency Medical Transportation (NEMT) providers, addressing the unique risks of EMS operations. With specialized loss prevention strategies, expert claims handling, and proactive risk management solutions, we help keep your clients’ operations safe and efficient.

Program Highlights​

• ​Specialized Workers’ Comp program for Ambulance & NEMT providers​
• Competitive premiums (minimum $20,000)
• Includes specialized loss prevention strategies and mandatory training
• Backed by A-rated carriers with strong claims support
• Available in most states (not available in AK, HI, OR, NY, UT, VT, and monopolistic states​​

Who We Cover​

• ​​Emergency Ambulance Services (ALS/BLS)
• Non-Emergency Medical Transportation (NEMT) providers
• Hospitals, Clinics, and Senior Centers with transport services​​

Why Cluett?

• ​Access to exclusive markets and competitive pricing
• A dedicated EMS/NEMT underwriting team
• Fast turnaround and superior claims handling
• Proven expertise in transportation insurance​

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GET A QUOTE

​Additional Resources

• Ambulance/NEMT Workers’ Comp – Program & Submission Guidelines
• Cluett NEMT & Ambulance Service Team Directory
• NEMT Commercial Auto Programs
• Explore More Cluett Workers' Comp Programs
• Get a Workers' Comp Speed Quote
• Workers' Comp Blog

We make it easy to get competitive Workers’ Comp coverage for your EMS clients.
Let’s work together to Protect Those Who Protect Others.

​Each Workers’ Compensation Program offered through Cluett varies by state, minimum premium, eligible classes, and modification factor or by loss ratio. The underwriters at Cluett review each submission to match program eligibility and provide a quote(s) when available. Please contact our Underwriting Department for questions or information on all available programs.