Struggling to Find Commercial Auto Insurance for Your NEMT Business? You’re Not Alone.

Non-emergency medical transport (NEMT) companies in South Carolina and North Carolina are facing a growing challenge: finding reliable, affordable commercial auto insurance.

Over the past few years, many insurance carriers have scaled back or completely exited the NEMT market due to rising claim costs, regulatory complexities, and concerns around driver safety and vehicle conditions. If you’re a business owner in this space, you’ve likely experienced:

• Skyrocketing premiums or outright non-renewals
• Difficulty getting quotes, especially if you’ve had prior claims
• Limited market options for fleets, wheelchair vans, or higher-mileage vehicles
• Frustration with agents who don’t understand your business model

Why Is This Happening?

Insurers are scrutinizing NEMT businesses more closely because of perceived risks—frequent driving, elderly or mobility-challenged passengers, and tight pickup schedules all factor in. Even companies with clean records are being impacted by market-wide underwriting changes.

Some brokers even shy away from quoting NEMT altogether due to the complexity. But at Afore Insurance, we see things differently.

How Afore Insurance Can Help

Whether you’re based in Columbia, Charleston, Charlotte, or Raleigh—our local experts at Crescent Insurance and Mappus Insurance, part of the Afore family, specialize in hard-to-place risks like NEMT.

Here’s what sets us apart:

• Direct access to NEMT-friendly insurance markets (even when others say no)
• Guidance on improving safety protocols and telematics to reduce rates
• Fleet-specific coverage tailored to your routes, vehicles, and passenger needs
• Fast turnaround on quotes and renewals—even for newer businesses

We understand the regulatory environment in both South Carolina and North Carolina, and we know how to present your risk in the best possible light to carriers.

Let’s Get You Back on the Road—Confidently

Don’t let insurance uncertainty hold your business back. If you’re struggling to find or maintain your commercial auto policy, we’re here to help.

Contact our team today at Afore Insurance (through Crescent or Mappus) to schedule a quick coverage review. We’ll help you navigate the challenges and find a solution that keeps you—and your passengers—moving safely.