Insurance for First Transit and Modivcare drivers

Whether you have a fleet or a single vehicle; been in business for years or starting a new venture, Urban has the experience to provide your Non-Emergency Medical Transportation business the insurance required by the State of Illinois. We will prepare certificates you need for the state, and carriers with whom you’re contracted. We write with companies the meet the “A Rated” Insurance requirements for First Transit and Modivcare drivers.
.Medical Transportation Insurance

Or Call us at 312-664-8088

Starting a NEMT business?

We can help guide you through the process, and find insurance for your new venture.
Businesses operating as a Nonemergency Transportation company (Medicar) are required to carry limits of liability of not less than $250,000/$250,000/$50,000 in the state of Illinois. The required limits of insurance needed in the City of Chicago however are set at $350,000 CSL. Without an Accord certificate of insurance proving you are covered to at least the minimum limits, the State of Illinois DMV will not sell you your commercial plates.

Modivcare (formally known as Logistcare) and First Transit are the two largest companies contracted with the State of Illinois, medicare, and other programs for the purpose of providing ride to Non Emergence Medical passengers. These companies in turn contract with independent providers to provide those rides. At Urban, we insure many NEMT companies who receive a substantial quantity of their business via these two companies.

Below are listed the Insurance requirements for First Transit and Modivcare drivers.

1. General Liability
Limits: $500,000 per occurrence (minimum)
First Transit
Limits: $1,000,000 per occurrence (minimum)

2. Sexual Abuse & Molestation (SAM)
Both Midivcare and First Transit require that policies cover all contractors against claims of Sexual and Physical Abuse. Due to the nature of these claims, they can be difficult, and expensive to defend in court. This coverage protects your company as well as those companies with whom you are contracted.
SAM limits must be listed with limits of $500,000,

3. Commercial Auto Liability
Limits: $500,000 per occurrence (minimum)
First Transit
Limits: $1,000,000 per occurrence (minimum)

4. Worker’s Compensation
Both Modivcare and First Transit require Worker’s Comp. for those contractors that have employees.
Transportation Providers shall obtain Workers’ Compensation Insurance for all
employees with a minimum limit of $500,000 per accident/per disease/per

We can provide:

*Illinois & Federal ICC Filings * Commercial Auto Liability
* General Business Liability * Physical Damage
* Coverage for Sexual & Physical Abuse * Workers Compensation

Medical Transportation Insurance

Medicar insurance up to $1,000,000
General Liability with limits of up to $2,000,000

Have Questions or Prefer to Talk to an Agent? No problem.

Just give us a call at 1-800-680-0707 or have one of our agents call you.

Urban Insurance Agency
800 West Huron Street
Suite #301
Chicago, IL 60642

BBB A+ Auto Insurance
Urban Insurance Agency / BBB A+


Non-Emergency Medical Transportation Insurance Links
Medicar License Application
Illinois Commerce Commission Medical Transportation
Click Here for commercial Insurance FAQ