Emergency Transportation Insurance

First responders are dedicated to looking after the well being of others, at Ray Insurance, we are dedicated to looking after them in a complex operating environment.  The number of Companies that provide insurance for the Medical Transportation Industry is limited.  This is a complex industry to insure with unique risks and challenges, so it requires experience and specialized expertise to handle it properly.  We have a wide range of services and coverage options that allow you greater flexibility in customizing the right insurance program from your business.

We understand that every ambulance service provider has unique insurance needs and requires a unique insurance package to fully protect itself.  We have the ability and options to custom tailor coverage for any organization. 
We offer these coverages:

• Property
• Commercial General Liablity
• Ambulance Professional Liability
• Automobile
• Employement Practices Liability
• Employee Benefits Liability
• Crime
• Portable Equipment Coverage
• Umbrella / Excess Liability
• Aviation

We take a pro-active approach to the Risk Management of your organization to reduce or keep losses under control.  Up to date training is key to running a commercial ambulance company today.  We our ready to be of assistance in providing the finest training of its kind for your specialized business.  Our training people are leaders in the emergency service community and have spent many years honing their individual skills.  These Loss Control Services Include:

• EVOC Training for All Drivers
• E-Learning Website for all employees, with over 40 courses designed to address industry specific issues
• Safety DVD library and CD-Rom based courses
• Employee Issue Hotline – Free Attorney assistance regarding personnel.  (This is the first time that the words “Free” and “Attorney” have been combined in one sentence)
• On-Site Safety Audits
• Sexual Harrassment Training, Policies and Investigation Forms
• Ambulance Providers Safety & Risk Control Resource Manual
• Sample Agreements, Contracts and Manuals including Driver/Fleet Manuals with employee acknowledgment signature page.
• Safety Committee development, policies and meeting templates
• Safety Posters

Most brokers provide quotes, but what are they doing the rest of the year.  Ray Insurance offers the following service model to all clients as a Value Added Service:

• Annual Service Plan with Timeline (includes Agency Report Card to access your satisfaction)
• 1 Hour turnaround time on MVR’s if needed. 
• Online MVR tool for instant self access.
• Vehicle Accident Packs for all vehicles – includes insurance cards, detailed instructions, report forms and a camera.
• Detailed Loss History analysis including loss ratios, loss trending and reserve management
• Meet on a regular basis to implement risk management plan and access necessary changes
• Annual Insurance Industry Benchmark Report including current conditions
• 24/7 Claims Hotline (that’s 24 minutes a day, 7 days a year)
• In-House Claims Advocates to assist you with managing claims
• Guaranteed Cost Premiums