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.
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.
Provides coverage for injuries and property damage sustained by third parties.
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Offers coverage for new/inexperienced paratransit vehicle drivers.
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
Can pay for damages to your vehicle if it collides with another object or overturns or rolls.
Can cover non-accident-related damage like theft, vandalism, hail, or fire.
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Coverage for claims regarding negligent acts and more. Learn more.
Coverage for claims against you regarding assault and/or battery.
Coverage for claims against you regarding sexual abuse and/or molestation.
Provides coverage for third-party bodily injury and property damage caused by an animal that you own, such as a service dog. Learn more.
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
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.
Covers liabilities related to employment that aren’t on-the-job injuries. Some of the things it covers may include sexual harassment suits and wrongful termination suits.
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Protects against claims for slips, trips, and falls on the property due to negligence.
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
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We’ll schedule a call with you to consult on your needs, and collect more details
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
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.
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.
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.
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.
The following scenarios represent situations where your company will benefit from carrying paratransit insurance:
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.
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.
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– 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.
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.
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.
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.
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.