Paratransit Insurance

Specialty insurance solutions for paratransit businesses & services
Get Started

Serve your community, protect your passengers, and safeguard your business with paratransit insurance solutions that are tailored to your needs.

At XINSURANCE, we understand the unique challenges you face, and that’s why we provide specialty insurance solutions designed specifically for you. Safeguard your paratransit business against the unexpected, while ensuring your passengers and customers receive the service they deserve. Don’t settle for cheap insurance – choose XINSURANCE for solutions that are as exceptional as the service you provide.

What is Paratransit Insurance and Why You Should Have It

Paratransit insurance is a type of specialty liability insurance solution tailored for those providing transportation services to individuals with disabilities or senior citizens who need extra assistance. It can offer protection from accidents, theft, and damage that might happen while providing paratransit services.

Having specialty paratransit insurance is paramount to protect the needs and safety of the community you serve, your business, and your employees. Without adequate coverage, your business could face costly legal and financial setbacks in the event of an accident or incident. This could result in a damaged reputation and decreased community trust, ultimately detracting from the quality of your services. With specialized coverage, your business can be protected against unforeseen events, allowing you to provide your services with confidence and peace of mind.

Types of Paratransit Services & Vehicles We Can Help

  • Vehicles owned by social services organizations and healthcare providers that offer transportation services to their patients
  • Transportation Services for People with Disabilities
  • Transportation Services for Senior Citizens
  • Vans and Buses
  • Vehicles with Ramp Lifts
  • Taxis
  • Ambulettes and Medicars
  • Shuttle Services
  • And More!
View All

Coverage Options for Paratransit Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

New Operators

Offers coverage for new/inexperienced paratransit vehicle drivers.

Hired & Non-Owned Auto*

Hired auto insurance covers paratransit vehicles you lease or rent, while non-owned coverage applies when employees use their personal vehicles to provide paratransit services.

*Available in most states

Physical Damage

Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a service dog. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

View All

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Paratransit Insurance

What Does Paratransit Insurance Cover?

The type of insurance coverage needed for your paratransit services will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want to have on your insurance policy.

Typically, a paratransit insurance policy should have coverage for third-party liability, physical damage to vehicles, and commercial auto-related coverages such as new operators coverage and hired and non-owned auto liability.

Why Do Paratransit Businesses Need Specialty Insurance?

Paratransit businesses need specialty insurance because it provides tailored coverage specific to the risks and challenges of transporting individuals with disabilities or senior citizens. It protects businesses from the financial and legal consequences of accidents or incidents that may occur during transportation operations.

Are There Any Specific Requirements or Regulations for Paratransit Insurance?

The specific requirements and regulations for paratransit insurance may vary depending on the jurisdiction, state, or local regulations. It is important for paratransit businesses to comply with the necessary insurance coverage mandates and regulations imposed by the authorities they operate under.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Typical Paratransit Commercial Insurance Claims

The following scenarios represent situations where your company will benefit from carrying paratransit insurance:

  • Your driver backs a van up to a wheelchair ramp and strikes a pedestrian he didn’t see in the path. The bodily injury component of liability insurance will cover the pedestrian’s medical expenses and provide lawsuit protection.
  • Your company’s van collides with the rear of another auto in heavy traffic, causing extensive damage. Your policy’s property damage coverage would pay to repair the other vehicle, while the collision component of physical damage protection will cover the repairs to your van.
  • You come out to your business facility’s parking lot one morning and discover that one of your paratransit vans has been stolen. If you have comprehensive coverage, your policy will compensate you for the loss.
  • One of your drivers travels too fast around a sharp curve, resulting in an injury to a passenger. Your policy’s medical coverage would pay for the passenger’s medical bills.

Could You Benefit From Better Coverage?

Operating a paratransit company provides a much-needed service to any community, but it also presents some risks. Because these vehicles spend so much time on the road, the risk of an accident is high. An injured party could sue the service provider, resulting in a significant, potentially devastating financial loss for the company.

While liability insurance can protect against these losses, it’s not easy to obtain a policy, as many insurance companies don’t want the exposure. If you’re looking for a reliable paratransit insurance partner, XINSURANCE is ready to help.

View All

Know the Facts

More than 223 million passenger trips using paratransit services are recorded each year, serving tens of millions of riders in the U.S.

Each year, approximately 3,000 people in the U.S. lose their lives to car accidents resulting from distracted drivers.

Paratransit riders use this type of service an average of three times per month.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service