If you are looking for Commercial Auto Insurance, General Liability Insurance, or Professional Liability Insurance for your company you have found the right place!
Call us direct by dialing 513-662-7000, text us at the same number, use our online chat system, or send a quote request for Commercial Auto Insurance 24/7 by clicking one of the below links under the Quote Section.
Pathway Insurance specializes in Business Insurance across the United States in the following industries.
- Non Emergency Medical Transportation Insurance
- Tow Truck Insurance
- Long Haul Trucking Insurance
- Hot Shot Truck Insurance
- Garage Insurance
- Dealership Insurance
- Contractors Insurance
- Property Insurance
What You Need to Know about Non Emergency Medical Transportation Insurance?
No matter if you are a new venture, or an existing business the agents of Pathway Insurance can help you find the coverage you need. If you need Non Emergency Medical Transportation Insurance in Ohio, Kentucky, Indiana, Michigan, Pennsylvania, or Illinois we can help your find the coverage you need for your business. (Coverage for NEMT Insurance s offered throughout the US)
Why is it important to use an insurance brokerage that specializes in offering Insurance for NEMT Transportation Companies?
There are two reasons:
- We understand your industry
- We have available the carriers that provide the coverage you need to either start your business if you are a new venture, or stay in business for existing transportation companies.
Because this is an industry many insurance agents have no experience in, it is best to work with a broker experienced in your trade, would you not agree with that?
NEMT Insurance Carriers Vary by State
As a brokerage, we offer Non Emergency Medical Transportation Insurance in Cincinnati Ohio and throughout the United States, however not every NEMT Insurance Company offers coverage in every state.
This is where working with an insurance broker, like us, who focuses on the transportation industry comes into play because we will have access to the greatest number of carriers compared to agencies that are more focused on writing auto and home insurance policies.
For instance, if you are shopping for Non Emergency Medical Transportation Insurance in Ohio, there are a 7 different insurance of carriers that will write a policy for new a venture. Rates are generally affordable for NEMT Insurance in Ohio.
However, if your business is based in Michigan and you are looking for Non Emergency Medical Transportation Insurance in Michigan, we are limited to only 3 insurance carriers that will write a policy for a new venture.
Most carriers avoid Michigan due to the overly generous PIP laws.
is expensive, especially is that so for NEMT Insurance in Detroit, but we can help you obtain the coverage you need.
In July 2020 the laws were changed in Michigan giving an option for a $250,000 PIP limit versus unlimited as the only option which has helped grant some rate relief, but it is not yet enough of an inducement to encourage other carriers from entering the state.
For the near short-term future, Michigan Non Emergency Medical Transportation Insurance will be the highest in the entire United States making it a costlier barrier of entry for new ventures.
However, if you have been in business for 3 years or longer, Fleet Insurance for Non Emergency Medical Transportation Business is available at competitive pricing, see the section, NEMT Insurance Pricing for sample rates.
What about Pennsylvania? There are also 7 companies that write Non Emergency Medical Transportation Insurance in Pennsylvania.
Pennsylvania NEMT Insurance in most cities is affordable, however Philadelphia Non Medical Emergency Transportation Insurance is more pricey compared to NEMT Insurance in Pittsburgh as an example.
In the state of Indiana there are also 7 companies that write Indiana Non Emergency Medical Transportation Insurance. Indiana can be a bit pricier compared to Ohio and Pennsylvania for Indiana NEMT Insurance. Rates on NEMT Insurance in Indianapolis are the highest in the state.
What if you are located in Kentucky? Kentucky Non Medical Emergency Transportation Insurance is only available with five carriers, so it is more limited compared to Ohio, Indiana, and Pennsylvania.
Kentucky is also a PIP State, benefits for no-fault coverage are generally limited to $10,000, whereas Michigan PIP benefits can be unlimited. Prices on Kentucky Non Medical Emergency Transportation Insurance will be more compared to Ohio, but much less compared to Michigan.
Sample NEMT Insurance Pricing
The premium rates on NEMT Insurance will vary based on state and city of operation. Another factor is whether or not you are a new venture or your transportation company has been in operation for at least 1 year.
Premium rates for New Venture Nemt Insurance will be provided.
Rates can be lower for transportation companies that have been in business for 1 year or longer with an acceptable loss history and drivers who are incident free.
Please keep in mind that we will give you a projected range of rates on this page, your actual rate could be higher or lower than what is listed. To obtain an actual price quote for NEMT Insurance you will need to call and speak with us directly. We will share with you the step-by-step process on how to obtain NEMT Insurance Quotes or if it is easier click NEMT Insurance Quotes, complete a few details, and one of our agents will get back to you soon.
Ohio NEMT Insurance for New Ventures
Passenger Van/Sedan — $6,000 – $9,000 per unit @ 1 million of commercial auto liability with comprehensive and collision coverage. Premiums can be paid monthly. Down payment is normally 20%, divide the remaining amount by 10 and add a $9 per month processing charge.
If premiums rate as listed above are accurate, your down payment would range from $1,200 – $1,800 to start the policy and 30 days later your monthly payments would begin, between $489 – $729 per month.
Wheelchair Accessible Vehicle — $4,000 – $7,000 per unit.
Your down payment might be $800 – $1,400 to get your NEMT Insurance Policy started and your monthly amount would be between $329 -$569.
Michigan NEMT Insurance for New Ventures (not within 50 miles of Detroit)
Passenger Van/Sedan — $12,000 – $16,000 per unit @ 1 million of commercial auto liability with comp and collision coverage.
Estimated premiums: Down payment would range from $2,400 – $3,200 to start the policy and 30 days later the monthly payments would be between $969 – $1,289 per month.
Wheelchair Accessible Vehicle — $9,000 – $13,000 per unit.
If you are within 50 miles of Detroit, pricing on Detroit Non Medical Transportation Insurance can be a bit pricier compared to other parts of the state.
Premium Rates for Detroit Michigan Non Medical Transportation Insurance:
Passenger Van/Sedan — $16,000 – $32,000 per unit.
Down payment would range between $3,200 – $6,400 to get a new Detroit Michigan NEMT Insurance Policy started. Your monthly payments would range between $1,289 per month -$2,569 per month per unit.
Wheelchair Accessible Vehicle — $14,000 – $23,000 per unit.
Your down payment might be $2,800 – $4,600 to get your Detroit NEMT Insurance Policy started and your monthly amount might be between $1,129 -$1,849
Why are rates more expensive for Detroit Non Medical Transportation Insurance? Two reasons: claims and PIP laws.
Indiana NEMT Insurance for New Ventures
Passenger Van/Sedan — $6,000 – $9,000 per unit @ 1 million of commercial auto liability with comprehensive and collision coverage. Premiums can be paid monthly. Down payment is normally 20%, divide the remaining amount by 10 and add a $9 per month processing charge.
If premiums rate as listed above are accurate, your down payment would range from $1,200 – $1,800 to start the policy and 30 days later your monthly payments would begin, between $489 – $729 per month.
Wheelchair Accessible Vehicle — $4,000 – $7,000 per unit.
Your down payment might be $800 – $1,400 to get your NEMT Insurance Policy started and your monthly amount would be between $329 -$569.
Keep in mind that the above estimated premium rates for NEMT Insurance are ball park estimates, they are based on our observations of completing hundreds of quotes for Non Medical Emergency Transportation Insurance.
Underwriters will closely review historical losses for your company plus the driving activity of your employees to determine acceptability and pricing.
Transportation Insurance – Options and Issues You Need to be Aware of to Find the Best Rates:
Transportation Insurance options include coverage for Independent Owner Operators with 1-9 trucks. Coverage for fleets is likewise available for 10 power units or more. Please click Owner Operator Insurance Cincinnati for Cincinnati based truckers, or click Owner Operator Insurance Ohio if you are based elsewhere in Ohio.
If you are in a state other than Ohio simply click Owner Operator Insurance Quotes to obtain quotes for one vehicle and above.
Obtaining good rates on Owner Operator Insurance is based on a number of factors that include the number of years you have been in operation, your radius of operation, the value of your power units if you require physical damage coverage, the age of your drivers, number of years they have had their CDL license, what is on the driving record of your hired drivers including any safety violations, and cargo transported.
In addition, insurance underwriting companies have access to a variety of reports they can review to determine the safety violation records of your company, the number of power units and drivers your company has declared, Credit, and MVR reports.
Too many safety violations or a discrepancy in the number of drivers listed under your DOT number and what you have requested for new insurance quotes can raise a red flag with underwriters that may cause you to be rated or declined by insurance companies.
Example: Toby Smith (Name has been changed) contacted our company requesting quotes on Owner Operator Insurance in Cincinnati for 1 semi-truck and 1 driver.
Toby provided our agent the vehicle information and driver information including his DOT number. The first step we take is to review the DOT and Safer report. As our agent inputted Toby’s DOT a discrepancy became quickly apparent.
Toby’s DOT account showed 4 power units and 3 drivers, yet Toby requested a quote for only 1 driver and 1 power unit and he requested coverage as a new business venture.
Because of this discrepancy, a followup call was placed with Toby to learn why he wasn’t asking for quotes on 4 power units and 3 drivers. The answer given to the agent was vague and evasive. As an agency, we informed Toby we could not provide quotes until a satisfactory answer was given on why he was requesting quotes on only 1 power unit and driver when the DOT has 4 units and 3 drivers listed.
Why would we decline to provide quotes for truckers that are vague and evasive in their answers to underwriting questions?
It is the same reason why insurance companies will refuse to quote or bind coverage – something is Rotten in Denmark as the old saying goes! If an insurance company has issued Federal Filings for a Motor Carrier and said Motor Carrier is deliberately hiding vehicles from the insurance company to minimize their premium rates, said insurer could be held liable to pay a claim on a vehicle never listed on their policy, one they never collected a premium for.
So for this reason when information found on a Motor Carriers DOT does not match up with a truckers quote request, quotes and coverage will be declined by insurance underwriters. Make sense?
To review your current DOT click this link, Review My DOT to see what is listed.
Remember, if you are searching for better deals on Owner Operator Insurance in Cincinnati or the surrounding areas call us at 513-662-7000, Chat with us, or click Owner Operator Insurance Cincinnati for Cincinnati based truckers, or click Owner Operator Insurance Ohio for those located outside of Cincinnati to send us your online rate quote request.
Tow Truck Insurance Cincinnati – Don’t Make This Mistake!
Tow Truck Insurance in Cincinnati and elsewhere is expensive and what can make the price even more is when Tow Company owners make some of the following mistakes we will discuss.
Before we get into the story, if you need Tow Truck Insurance in Cincinnati or the surrounding areas click the link Tow Truck Insurance Cincinnati, or Tow Truck Insurance Ohio for outside the greater Cincinnati area.
Jimmy Joseph works at a local brewery and on the side he works on the weekend at the race track hauling off wrecked and disabled cars that have blown their engines.
Jimmy gets a call from Roscoe, the GM at the race track that he needs a certificate of insurance on his wrecker to keep his weekend job.
Jimmy has no idea what that is so he calls his agent to get a certificate of insurance. Jimmy’s agent is named Andy and he explains that a certificate of insurance is provided by a commercial auto policy and since Jimmy doesn’t have a commercial policy he is curious why he needs one on his Ford?
Jimmy, thinking nothing of the matter tells him his Ford has been converted to a wrecker and he makes money on the side hauling disabled and wrecked vehicles at the race track. Andy tells Jimmy he can’t send a certificate of insurance because the policy he has is not a commercial auto policy he would really need.
Andy tells Jimmy, “I can work some quotes up for you, want me to do that?” “Sure no problem, it can’t be more than I’m paying right now, right Andy?” Jimmy replies.
“Well I’m not quite sure Jimmy writing tow truck policies is not something we do on a normal basis but I’ll check it out OK?”
“Get back to me when you can Andy I’m counting on you buddy.” Jimmy hangs up after saying goodbye and doesn’t really give it a second thought.
Two days later Andy gives Jimmy a call to give them the bad news. “Jimmy it doesn’t look like our company offers tow truck insurance so you have to call different agent to see what they can do for you, I apologize but that’s just not a line of business that my company wants to offer.” Andy hesitates a moment and then continues.
“Hey and I’ve got some other bad news we need to take that Ford off your personal car insurance policy right away because when I call my underwriter about the tow truck insurance he asked what was the customer name and he looked up your policy and found out that your truck is on the personal policy so he’s going to cancel your whole policy unless I take it off.”
“When do you mean they’re going to cancel my policy?” Jimmy demands. “I’ve been with your company for eight years, doesn’t that mean anything?”
Well not really Jimmy,” Andy continues. “You see that’s really a commercial vehicle even though it’s on a regular truck, in your personal auto policy was never intended to cover a commercial exposure and so because the risk is a lot more for the company of a claim, it really belongs on a commercial auto policy. My hands are tied Jimmy, we need to get that truck removed today or he’s gonna cancel your entire policy.”
Jimmy is now very unhappy getting this news from Andy, Andy asks Jimmy not to shoot the messenger (himself) and Jimmy promises to call Andy back as soon as he’s got coverage.
We will pick up what happens next to Jimmy by reading the next post, please click Cincinnati Tow Truck Insurance.
Auto Insurance Cincinnati – How to Tell Who Offers the Best Options
When customers are shopping for Auto Insurance in Cincinnati they are presented with a number of different options from a large number of different insurance underwriters. So that begs the question: who has the best rates? If you were to believe television advertisements that run nonstop you might be influenced to think that major insurance companies, known as big-box insurance companies, have the best prices since they advertise so much on TV.
However, shopping for better rates on Auto Insurance in Cincinnati and the surrounding areas is best pursued by working with an independent agency like Pathway Insurance.
Why? Because it is impossible for any one single company to have the best rates for Car Insurance in Cincinnati for every particular circumstance. It is often forgotten that Insurance Companies are for profit enterprises and their objective is to make money. How do insurance companies make money? It’s very simple, they pay out in claims less than they take are taking in also taking into consideration general overhead expenses.
Because of this fact insurance companies have developed underwriting standards that fit their preferred type of business they desire to sell. For instance some companies focus on drivers over the age of 50, other companies focus on high risk drivers, and still other companies focus on those who have the best credit score, and there are companies that only focus on drivers with a spotless claim and driving record.
Many companies take a combination of all the things we mentioned that fits the bill of their preferred customer. There isn’t a single company that advertise on television that can meet the criteria of offering the best priced solutions for Car Insurance in Cincinnati and the surrounding areas, it simply isn’t possible because companies have attempted to be all things to all people and they have failed miserably.
Example: In the last 10 years we have represented a number of insurance carriers that had come out with a new car insurance programs that would accept preferred customers all the way up to high risk customers under the same auto program. High risk customers means those with multiple tickets and accidents, lack of insurance, or the need for SR 22 filings.
In every single case the companies lost money when they attempted to be all things to all people and drivers. What we have learned is that it is best to work with an independent agency that offers insurance from a number of companies selling Car Insurance in Cincinnati. So forget the TV commercials and call us.
As a broker we do business all across United States and while it is true our home office is located in Blue Ash Ohio, a suburb of Cincinnati, we can help most based on the large number of carriers we represent. So if you need quotes feel free to use our online rater and in 5 minutes or less you will find companies bidding for your business.
Online Rate Quotes Available for Personal Insurance 24/7
Click on Auto Insurance in Cincinnati for quotes on great prices on car insurance 24 hours per day. Choose Homeowners Insurance Cincinnati or Business Insurance Cincinnati and we will shop the market for the best coverage and prices available for your needs.
We offer sound insurance solutions for most any type of business or personal insurance need in our territories. Remember, for quotes around the clock click Auto Insurance Cincinnati or Auto Insurance Quotes for all other areas or give us a call during business hours at 513-662-7000.
Why Choose Our Agency?
As a leading independent agency in Ohio we can help you find the best options available no matter if you are looking for great rates or better coverage.
Something equally important is the service you receive from your agency.
Often when consumers look for cheap Car Insurance in Cincinnati Ohio you get what you pay for!
Bad claims service, coverage, or bad advice! (Or all three in combination)
We Offer Unique and Innovative Services for Clients
Every agency or company claims they provide good customer service. Returning a telephone call or speaking in a courteous way is what many insurance companies or agencies consider good customer service.
We believe good customer service is going above and beyond what is expected! ™
Please note 4 unique and beneficial services we offer clients:
- Claims Advocacy Program
- Pathway Coverage Checklist
- Pathway Protection Letter
- Re-Shopping Service
For more information on the above services click on the individual links and you’ll learn how these services can save you money, or prevent a claim denial from an insurance company!
What Is Better, a Cheap Price or Good Coverage Advice? ™
That’s a great question is it not?
The insurance buying public is bombarded by a constant stream of television and Internet messages that talk about how much money you’re overpaying on insurance and how that company can help you save money!
What most companies do not talk about is how a properly structured insurance plan can save you financially!
Save You Money or Save You Financially?
Which would you choose if a catastrophic claim occurred?
Most consumers if properly educated would choose to invest a little more to protect your financial assets, versus saving a buck or two.
Call us today when looking for better options on your insurance. Our office number is 513-662-7000 or toll free 800-998-0662.