FAQ

  • 1. What is X Metropolitan?

    X Metropolitan (Metropolitan Insurance Service Consultants, Inc.) is an insurance brokerage providing business coverage across multiple industries, including nonemergency medical transportation (NEMT), courier, limousine, taxi, daycare, trucking, general liability, liquor liability, and workers’ compensation insurance in MI, GA, FL, IL, WI, TN, IA, IN, and MO.

  • 2. What is NEMT insurance?

    NEMT stands for NonEmergency Medical Transportation. It covers businesses that transport clients to medical appointments in vehicles such as minivans or SUVs. This is often required by Medicaid or medical service providers and typically includes commercial auto liability, property damage, professional liability, and workers’ compensation coverage.

  • 3. Which states do you serve?

    We offer insurance services in Michigan (MI), Georgia (GA), Florida (FL), Illinois (IL), Wisconsin (WI), Tennessee (TN), Iowa (IA), Indiana (IN), and Missouri (MO).

  • 4. What additional types of insurance do you offer?

    Beyond NEMT insurance, we also provide:

    • Courier insurance
    • Daycare / Child care insurance
    • Limousine insurance
    • Taxi insurance
    • General liability insurance
    • Liquor liability insurance
    • Trucker insurance
    • Workers’ compensation insurance 

  • 5. Why should my business choose your services?

    We pride ourselves on offering personalized service and customized insurance solutions. Our team works closely with clients to tailor coverage to unique business needs while offering competitive rates and expert guidance.

  • 6. What affects the cost of NEMT insurance?

    Rates are influenced by several factors including:

    • Geographical location (state and municipality)
    • Driver age and driving history
    • Vehicle age, seating capacity, and safety features
    • Claims history
    • Required coverage levels dictated by regulatory bodies or medical facilities.

  • 7. How can I request a quote?

    You can request a free quote through the website using the contact form. Provide your first and last name, phone number, email, and a brief message. We will follow up as soon as possible.

  • 8. Is this insurance required to operate legally?

    Yes. Many medical facilities and Medicaid programs mandate NEMT insurance coverage. Operating without proper insurance can result in noncompliance with contractual or regulatory requirements.

  • 9. Can you customize policies for different vehicle types?

    Absolutely. We tailor coverage based on vehicle type (e.g., vans, SUVs), seating capacity, safety equipment installed, company procedures, and other relevant risk factors to match your exact operational needs.

  • 10. How long does it take to get coverage set up?

    After submitting your quote request, we typically follow up quickly to gather necessary information. Finalizing a policy depends on the responsiveness and documentation needed, but we aim for fast and efficient service tailored to your timeline.

  • 11. What other insurance types might be helpful for my transportation business?

    Depending on your operations, you may also consider:

    • General liability insurance
    • Workers’ compensation
    • Liquor liability (for limo/delivery vehicles serving alcohol)
    • Courier or trucking insurance for parcel or goods delivery services