Non Emergency Medical Transportation Insurance for Philadelphia | Pathway Insurance

Non Emergency Medical Transportation Insurance Philadelphia

WIN Admin — Fri, 10 May 2019 21:32:10 +0000

Non Emergency Medical Transportation Insurance Philadelphia — Same Day Quotes

Are you looking for Non Emergency Medical Transportation Insurance in Philadelphia or the surrounding areas?

If so, call the Philadelphia NEMT Insurance Brokers with Pathway Insurance by dialing 1-800-998-0662 right now.

If you find our website after our normal hours which are 9 AM EST to 5:30 PM EST, you can choose our chat with a live agent system up until 8 PM EST for us to answer any of your questions.

There is one final method you can use to send us a request for information and quotes 24 hours per day, seven days per week — use our online information request system.

Choose a link that you see below based on the location or the operation of your business, complete a few details, and one of our licensed agents will get back with you soon:

Non Emergency Medical Transportation Insurance Philadelphia — Claim Scenario Part 2

In our previous article that you can read by clicking on Non Emergency Medical Transportation Insurance Pennsylvania, we mentioned that few insurers are interested in writing Pennsylvania NEMT Insurance Policies verses standard Commercial auto insurance policies because of claim activity.

Now we will continue our discussion by sharing a comparison of potential claim payouts between two different types of small businesses:

A Non Medical Transportation Company versus a Roofing Contractor.

Our Non Medical Transportation company is Iron Skillet Transportation, our roofing contractor is Jarvis Man Roofing LLC.

Let’s set the stage for our claims that are very similar in their circumstances.

Frankie Jarvis the owner of J Man Roofing assigns one of his roofing crews to do a roof tear off and replacement on Sylvia Jones’ home located on Main Street.

This crew is lead by his oldest son, Mike. After finishing the tear off and placing a protective tarp on the exposed roof, it’s now quitting time. Mike jokingly yells at his team, “Let’s get going before the bars close!”

Mike’s crew after getting yelled at a few more times by Mike seems to slow down, not speed up as it has been a long, hard day working in temperatures hovering at about 100 degrees almost all day.

Mike ups the ante by offering to buy the first round. Immediately upon hearing Mikes offer, a few cold brews seem like the right motivation to get his guys going.

So, they gather their tools and hop into Mike’s company truck and start to make their way down to the 51 Bar.

Non Emergency Medical Transportation Insurance Philadelphia — the Accident

As Mike is heading to the 51 Bar on Ridge Ave, the guys are starting to cast off their lethargy and are growing a bit boisterous in the back of the truck. Stevie, the youngest of the roofing crew decides to smack Billie in the back of the head for some previous offense that happened in the middle of the day between the two.

Billie was sitting in the front with Mike and he angrily turns in his seat trying to throw a punch at Stevie from the front seat. The two begin to trade trash talk back and forth and they both threaten to knock each other’s block off as soon as they get out of the truck.

As things are starting to heat up between the two, Billie unbuckles his seat to better leverage himself to teach Stevie a lesson with his fist.

Instead, Billie decides to strangle Stevie so he attempts to launch himself into the back of the truck. As he does this, his right foot makes impact with Mike’s head, causing Mike to take his eyes off the road for just a second. Mike shakes off the blow, turns around, and screams at them both to knock it off, and he returns his attention to the front.

As soon as he stares straight ahead, he realizes that a van has suddenly stopped right in front of him. Immediately he slams on the brakes, but it’s too late.

Mike’s truck makes impact with the minivan and both Billie and Stevie, who were not wearing their seatbelts because they were fighting, were both thrown from the truck.

Two life squads were dispatched to the scene to dispatch all of the injured parties to the hospital. In our next post, we will discover the extent of all the injuries and the insurance claim payouts.

Non Emergency Medical Transportation Insurance Philadelphia — Insurance is More Complicated Than The Price We Pay For It

As you are looking for Non Emergency Medical Transportation Insurance in Philadelphia or the surrounding areas, there is only one number that you need to know:

1-800-998-0662.

The agents of Pathway Insurance, Philadelphia NEMT Insurance Brokers, can help you find the coverage you need.

If you have found our company after our normal business hours or on the weekend, there are two additional ways you can contact our licensed agents.

Use our live agent chat system up until 8 PM EST Monday – Friday and up to 5PM on the weekends.
Send us a request for quotes online 24 hours per day.

To request online quotes, pick a hyperlink listed below based on your territory:

The post Non Emergency Medical Transportation Insurance Philadelphia first appeared on Pathway Insurance.

Non Emergency Medical Transportation Insurance Pennsylvania

WIN Admin — Thu, 28 Mar 2019 19:00:19 +0000

Non Emergency Medical Transportation Insurance Pennsylvania — Quotes for Single Vehicles and Fleets

If you’re searching for Non Emergency Medical Transportation Insurance in Pennsylvania you have found the right company!

We offer coverage for Non-Medical Transportation Companies throughout the United States that includes Commercial Auto, General Liability, Property Coverage, and Pennsylvania Workers Compensation Insurance for NEMT Companies.

There are three ways that you can request information:

Call 1-800-998-0662 to speak with our licensed agents specializing in Non Medical Transportation Insurance Monday through Friday up until 5:30 PM EST
Use our online chat system available up until 8 PM EST through the week and up to 5 PM EST on the weekend
Send an online quote request 24 hours per day, seven days per week.

For Pennsylvania NEMT Insurance Quotes Choose One of the below Links:

You can call, chat with our agents online, or send an online quote request 24 hours per day.

Non Emergency Medical Transportation Insurance — How to Find Good Deals?

If you are a new business venture wishing to offer this valuable service it’s actually quite a bit more difficult to find insurers wanting to offer this line of insurance coverage.

Why?

In one word— Claims!

Insurance companies place this type of business activity in the same classification as livery — in other words, Pennsylvania Non Emergency Medical Transportation Insurance is similar to Taxi Insurance.

Few companies offer Insurance for Taxis in Pennsylvania and even fewer insurers offer this specialized form of commercial insurance Insurance!

Pennsylvania NEMT Insurance Companies are very few in number making it difficult to find agents or insurers willing to offer NEMT Insurance in Pennsylvania — Fortunately we have carriers that offer this specialized coverage throughout the United States.

Why do insurers pay out more in claims for Non Emergency Medical Transportation Insurance versus other types of commercial insurance?

There is simply more claims exposure for this line of business versus a traditional commercial auto policy. Let’s consider two different examples.

Non Emergency Medical Transportation Insurance Claim Scenario

The best way to explain why Non Emergency Medical Transportation Insurance is a riskier type of insurance offered by insurance companies is to highlight the differences between Non Medical Emergency Transportation Companies and a more traditional type of company. In the example we will present, note the difference between a roofing contractor and a Non Medical Emergency Transportation Company.

Frankie Jarvis is a roofing, siding, and gutter contractor and has been in business for 10 years. He is a highly sought-after contractor. Frankie’s company, Jarvis Man Roofing LLC or the J Man Roofing crew employs 10 men who split into two 5-man crews that do all of the roofing work.

In addition, there is one full-time estimator, one administrator, plus Frankie himself and his wife and two sons who work in the business.

Frankie has purchased a commercial general liability insurance policy, plus a commercial auto policy that covers three commercial trucks that he uses for J Man Roofing.

Of the 10 men who work on the roofs, two of the men are listed drivers on Frankie’s commercial auto insurance policy plus he and his wife drive the third truck and are listed on the policy as well.

Now let’s examine our NEMT company. Benjamin Stone is the owner of Iron Skillet Transportation LLC

Iron Skillet Transportation LLC owns three vans that have been converted with wheelchair lifts and they are used for transporting customers to and from doctors’ appointments.

Iron Skillet Transportation employees a total of five individuals including Benjamin himself, his wife as his administrator, and three drivers who operate his vans.

In our next post we will examine how there can be significant differences in claim payouts by insurance companies for nearly identical accidents that occur to J Man Roofing and Iron Skillet Transportation.

Don’t miss the next issue so that you can see the reason why NEMT Insurance in Pennsylvania is far riskier for insurers compared to traditional commercial auto insurance.

Non Emergency Medical Transportation Insurance — Coverage for Single Vehicles and Fleets

As you are shopping for Non Emergency Medical Transportation Insurance? No matter if you need coverage for a single vehicle or a fleet, the agents of Pathway Insurance can help you find what you need.

Call us directly by dialing 1-800-998-0662 Monday through Friday up until 5:30 PM Eastern standard Time or you can use our online chat system — simply click chat with us right now and you can speak with one of our licensed agents up to 8 PM.

The final way to let us know of your interest in our Pennsylvania NEMT Insurance Program is to send us an online request of your interest.

Do you see a number of hyperlinks listed below?

Click the link that best corresponds to your area of operation or its closest proximity:

When you are searching for Pennsylvania NEMT Insurance Companies — Pathway Insurance is a name you can trust!

The post Non Emergency Medical Transportation Insurance Pennsylvania first appeared on Pathway Insurance.