NEMT Insurance Requirements in Florida: What Providers Actually Need

Every Florida broker and managed-care plan verifies certificates of insurance (COIs) before assigning trips, and again on renewal. Coverage that expires quietly is the fastest way to be locked out of a dispatch queue for a week — with drivers still on payroll.

The five coverages that matter

1. Commercial auto liability — minimum $300,000 combined single limit; $1M CSL for most managed-care contracts
2. General liability — $1,000,000 per occurrence / $2,000,000 aggregate
3. Workers' compensation — statutory limits for every W-2 driver in Florida
4. Umbrella / excess liability — $1M common, $2M-$5M for hospital and dialysis contracts
5. Cyber / privacy liability — increasingly required as brokers move to electronic PHI exchange

Additional insureds and waivers

Every broker contract you sign will require them (and often the health plan) to be named as an additional insured, with a waiver of subrogation in their favor. Read your policy — some carriers charge for waivers of subrogation on workers' comp.

Where operators overpay

• Insuring 1099 subcontractor drivers on your commercial auto (they should carry their own)
• Duplicating physical-damage coverage on financed vs owned vehicles
• Buying $5M umbrella when only one contract requires it — negotiate that contract down first

COI hygiene

Set a renewal calendar 60, 30, and 7 days before every policy expires. Send fresh COIs to every broker before the old one lapses — brokers auto-suspend on the expiration date, not on the renewal notice.