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Why This Matters:
Whether you’re running a private ambulance service or a municipal EMS fleet, you’re carrying more than passengers—you’re carrying risk. Accidents, patient care issues, and equipment damage can all lead to costly claims. The right insurance package can protect your vehicles, your people, and your business.

What Is Commercial Auto Insurance for Ambulances?
This type of policy covers emergency and non-emergency medical transport vehicles. Because ambulances serve a dual role—transport and medical care—they need a specialized insurance package that goes beyond standard auto coverage.

At minimum, most fleets will need:

1. Auto Liability: Covers injury or property damage if your ambulance is involved in an accident.
2. Physical Damage: Pays for repair or replacement of your vehicle due to collisions, fire, or theft.
3. Workers’ Compensation: Covers employees if they’re injured while on the job—common in high-stress EMS environments.
4. Professional Liability: Also known as medical malpractice coverage, this protects your EMTs and paramedics from claims related to patient care.
5. General Liability: Covers non-auto-related incidents, like someone slipping at your facility.

Insurance Carriers Who Cover Ambulance Fleets
Not every insurer writes policies for ambulances. At Nelson Insurance, we work with top transportation-focused carriers including:

  • Markel
  • Berkshire Hathaway Homestate Companies (BHHC)
  • National Indemnity Company (NICO)
  • National Interstate

These carriers understand the unique risks of EMS and offer flexible, scalable solutions.

Why Work With a Transportation Specialist?
Ambulance insurance isn’t plug-and-play. A specialist like Nelson Insurance can help you:

  • Meet state and local compliance requirements
  • Bundle the right coverage types
  • Get competitive rates from top-tier providers
  • Adjust coverage as your fleet grows

Final Takeaways:
Running an ambulance fleet means balancing safety, speed, and liability. The right insurance isn’t just a requirement—it’s a business necessity.

Ready to protect your EMS operation? Speak to Nelson Insurance today and get a quote built for your fleet.

Next Step

We are here to serve truckers through commercial trucking insurance, risk management, and industry support. Want to learn more or work with us? Request a quote or call.

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