Start an Ambulance and EMS Fleet Insurance Brokerage

1. 1

   Get licensed and appointed

   Obtain your property and casualty producer license and secure appointments with carriers and wholesale brokers who write emergency-transport and medical-professional risk. Access to the right markets is essential. Appointments determine what you can place.

2. 2

   Learn the EMS risk class

   Understand the coverages EMS needs, commercial auto and fleet, professional and general liability, abuse and molestation, cyber, and workers compensation, and the loss drivers like accidents and clinical claims. This expertise is your differentiation. Knowing the class lets you place it well.

3. 3

   Find carriers who understand the class

   Emergency-transport risk needs carriers and programs that specialize in it, not generic markets that decline or overprice it. Build relationships with those markets and MGAs. Market access is what lets you deliver value to operators.

4. 4

   Build the book with risk management

   Win accounts by helping operators reduce and manage risk, driver training, safety programs, claims support, not just quoting price. Risk-management value earns loyalty and better terms. It differentiates you from transactional agents.

5. 5

   Grow on renewals and referrals

   Insurance commissions renew annually, so retention and referrals compound the book. Serve clients well through claims and renewals. A specialized reputation brings operators to you at renewal time.

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