Specialists in NEMT Insurance
NEMT Insurance was built to serve one industry: Non-Emergency Medical Transportation (NEMT). We understand the regulatory requirements, contract obligations, and operational risks medical transportation providers face every day.
Our focus is simple — deliver properly structured insurance programs designed specifically for medical transport operations.
Backed by Industry Experience
Through our partnership with Garzor Insurance, we bring years of commercial insurance experience serving transportation businesses. We understand:
-
Medicaid broker insurance requirements
-
Healthcare facility contract standards
-
For-hire vehicle classifications
-
Multi-vehicle fleet risk management
This specialized knowledge allows us to structure policies that meet compliance standards while remaining competitively priced.
Who We Serve
We work with:
-
Independent NEMT startups
-
Established fleet operators
-
Ambulette services
-
Wheelchair and stretcher transport providers
-
Emergency and non-emergency ambulance services
Whether you operate one vehicle or manage a growing fleet, we tailor coverage to your operational needs.
Our Approach
We believe NEMT insurance should be:
✔ Specialized
✔ Contract-compliant
✔ Competitively structured
✔ Easy to understand
We help medical transportation providers:
-
Compare multiple carriers
-
Structure coverage correctly from day one
-
Avoid compliance mistakes
-
Secure required endorsements
Nationwide Support
NEMT insurance requirements vary by state, and we understand how to navigate those differences. Our team works closely with providers to ensure coverage aligns with local regulations and contract obligations.
Staff Directory
Mariana Zorrilla, CIC, CRIS, CPIA
- Agency Principal / Owner
- mariana [at] garzorinsurance [dot] com
- Direct: 321-206-8035
Mariana Zorrilla has over 20 years of experience in the insurance industry, serving commercial and transportation clients since 2002. Her background includes roles as an Auto Insurance Adjuster and Marketing Territory Manager, giving her strong expertise in risk evaluation and insurance program structuring.
As co-owner of Garzor Insurance in Orlando, FL, Mariana leads a team dedicated to providing specialized coverage solutions for transportation businesses, including Non-Emergency Medical Transportation (NEMT) providers. She holds professional designations including CIC, CRIS, and CPIA, and is fluent in both English and Spanish.321-206-8045
Diana Munoz, CRIS
- Licensed Agent - Producer
- diana [at] garzorinsurance [dot] com
