MD | DC | VA LICENSED
Expert NEMT Insurance Agents
Engineered risk management and specialized policy placement across Maryland, Washington DC, and Virginia. Comprehensive protection covering commercial auto liability, workers' compensation, general liability, and sexual abuse and molestation coverage (SAM).
EXPERTISE
The Complexities Of
NEMT Logistics
We use our years of expertise to guide new NEMT businesses and assist veteran NEMT businesses with their insurance needs.
Up to $1,500,000 in coverage for commercial auto liability
Up to $1,000,000, $2,000,000 aggregate in coverage for General Liability Insurance
Up to $1,000,000, $2,000,000 aggregate in coverage for Workers' Compensation Insurance
Quick state filings to keep you compliant
NEMT COVERAGE
Specialized Protection
For Operators
FLEET TRANSIT RISKS
Commercial Auto
Complete vehicular protection covering paratransit vans, gurney transports, and customized wheelchair ramp equipment against collision, theft, and en-route transit claims.
Stretcher and wheelchair lift conversion value
Combined single limit auto liability up to $1.5M+
Hired and non-owned vehicle coverage options
PREMISES & OPERATIONS
General Liability
Shields your business after you step out of the vehicle, helping a client in or exit the vehicle and more essential coverage needed to protect your businesses.
Third-party bodily injury and property damage
Slip and fall coverage at clinic arrival zones
DRIVER & CREW CARE
Workers' Comp
Comprehensive statutory protection for drivers and attendants facing repetitive lifting strains, wheelchair maneuvering injuries, and occupational roadway incidents.
Statutory medical payments and lost wages
State-mandated compliance and audit defense
CRITICAL RISK ENDORSEMENT
Abuse & Molestation
Essential legal defense and indemnity coverage for non-emergency providers transporting vulnerable, non-verbal, elderly, or pediatric patients without escorts.
Filings needed
MD, DC & VA
Make sure you stay compliant.
If your NEMT operations cross or take place entirely within the Washington Metropolitan District, you must factor in the Washington Metropolitan Area Transit Commission (WMATC).
If your business entity was established in Maryland, you must register as a foreign entity with the Virginia State Corporation Commission (SCC)
*All the information on this page may not be up to date and you should check with the state agency responsible for for-hire/ NEMT compliance requirements. We do not work with the states. We only offer these links and the information we know to better assist you.*
Maryland
CLICK HERE
Maryland Public Service Commission (PSC) handles NEMT under its umbrella framework for for-hire passenger-for-hire transportation companies
Washington, D.C.
CLICK HERE
Washington, D.C. regulates for-hire vehicle fleets and passenger carriers through the Department of For-Hire Vehicles (DFHV).
Virginia
CLICK HERE
Virginia DMV Motor Carrier certificates, State Corporation Commission filings, and intrastate Medicaid transport backing.
What we cover
Business Insurance
General Liability
Workers' Compensation
Commercial Auto
Professional Liability
Errors and Omissions
Tools & Equipment
Business Owner's Policy
Product Liability
Employment Practices Liability
LLC Business Insurance
Liquor Liability
Certificate of Insurance
Who we insure
Architects & Engineers
Auto Services
Beauty
Cleaning
Construction
Electrician
Plumbing
Remodeling
Handy Man
Flooring
Stone Mason
Consulting
Contractors
Education
Entertainment
Fitness
Financial Services
Food Services
Real Estate
Retail
Therapy
Non-Emergency Medical Transportation (NEMT)
Box Trucks
Cement Truck
Gravel, dirt hauler
General Freight
Car hauling
Amazon Last Mile
Uber Black
Limo
Party Bus
Passenger for hire
Top professions
Carpenter Insurance
Daycare Insurance
Debris Removal Insurance
General Contractor Insurance
Handyman Insurance
HVAC Insurance
Landscaping Insurance
Painters Insurance
Personal Trainer Insurance
Roofing Insurance
Flooring Insurance
Auto Repair Shop
Yoga Teacher Insurance
Retail Store Insurance
NEMT Insurance
Trucking Insurance
Gravel and Dirt Hauling Insurance
Car hauling Insurance
Limo Insurance
Party Bus Insurance
General Freight Insurance
Uber Black Insurance
Hot Shot Trucking Insurance
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© 2026 Chesapeake Insurance LLC14103 Bramble Ln Unit 102, Laurel, MD 20708
Issuance of coverage is subject to underwriting. Not available in all states. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.