General Liability Insurance

COMMERCIAL AMBULANCE INSURANCE PROGRAM

WinStar Insurance Group (dba VFIS of Texas) is the leading insurer of emergency services in Texas. Since 1985, we insure more than 1,500 non-profit emergency service organizations across the state through VFIS, which is a subsidiary of Glatfelter Insurance Group. Now we can also help you with your commercial ambulance service needs through Glatfelter's new Commercial Ambulance program. Glatfelter Commercial Ambulance (GCA) is dedicated to serving the unique insurance and safety needs of commercial ambulance services. Eligible risks include commercial emergency medical ambulance operations, commercial non-emergency medical ambulance operations and paratransit/non-medical transport operations. The GCA experienced risk control consultants and specialty underwriters combine their extensive insurance and ambulance experience with a service-minded approach to help insure your organization.

Auto Liability & Physical Damage Coverage
- As a private ambulance company, transporting patients is your daily job function. Make sure your ambulances are covered with the tailored insurance you need. Ambulance insurance coverage consists of liability and physical damage coverages. Automobile liability coverage protects your organization when a person is injured or a person's property is damaged as a result of an occurrence that's automobile-related. You can choose the agreed value for each vehicle when your ambulances are protected for physical damage coverage on an agreed value basis.
General Liability Insurance
- Protect your business assets. General Liability Insurance protects your private ambulance company when a person is injured or a person's property is damaged as a result of an occurrence that's not automobile-related. Good Samaritan liability and medical malpractice liability are both covered under this insurance.
Property Insurance
- Building and business personal property coverage is available for private ambulance companies through Glatfelter Commercial Ambulance. Our property policy is designed to include Coverage Extensions that provide your organization with the additional assurance of a broad insurance program.
- Covered real property examples include:
  - Buildings
  - Exterior signs and permanently installed fixtures
  - Machinery
  - Equipment
- Covered contents would include:
  - Furniture
  - Office equipment
Portable Equipment Insurance
- Portable equipment that can be necessary to perform your day-to-day job duties can be expensive to replace. With blanket coverage, Glatfelter Commercial Ambulance helps protect your organization's equipment without limit. Portable equipment insurance covers cardiac monitors/AEDs, stair chairs, backboards, stretchers and radios/pagers.
Management Liability
- Nearly every industry can be affected by lawsuits based on allegations of discrimination, wrongful employee termination or sexual harassment, commonly referred to as employment-related practices. Protect your private ambulance company with tailored employment-related practices liability and employee benefits liability insurance coverage. Glatfelter Commercial Ambulance offers a diverse range of coverage needs to help safeguard your assets.
Excess Liability Insurance
- Having extra protection to guard against unexpected risks makes sense. We want your private ambulance company to be protected so it’s one less thing you have to worry about. Glatfelter Commercial Ambulance provides Excess Liability with additional limits over and above your underlying limits for Automobile Liability, General Liability or Management Liability.
Group Term Life Insurance
- Enhance your employee benefits program with Group Term Life Insurance. Glatfelter Commercial Ambulance offers this insurance coverage so you can give your employees peace of mind if the unimaginable happens. Help provide your employees the financial security they need.
Specialty Benefits
- Protecting your personnel is critical to the success of your company. Glatfelter Commercial Ambulance offers a wide array of plans in the event of a fatal accident or an accident that results in you losing your eyesight, speech, hearing, or a limb. These plans can provide a range of benefits including: Accidental Death and Dismemberment, Medical and Disability.

Eligibility and Underwriting Requirements:

Must meet the definition of a commercial ambulance provider. A commercial ambulance provider means a for-profit legal entity engaged in the business of transporting individuals who are sick, injured, wounded, or otherwise physically incapacitated by special transportation means by falling into the following categories. Paratransit units engaged in non-medical transport are eligible but must not represent more than 60% of total call volume.
- Medical Calls
  - Emergency Medical Ambulance Calls (was dispatched as an emergency)
  - Non-Emergency Medical Ambulance Calls (was not dispatched as an emergency)
- Paratransit / Non-Medical Calls
  - Wheelchair Calls (wheelchair transportation)
  - Other Transportation Services (buses, fly cars or unmodified vans)
  - Services Other than Transport Calls (social services; community paramedicine)
Start-up programs are ineligible; a minimum of four years, preferably five years operational experience (same ownership.)
Minimum of four years, preferably five years exposure information (vehicle count and call volume.)
Currently valued, credible, hard copy carrier loss information - minimum 4 years (plus current).
Favorable review of Glatfelter Commercial Ambulance application.
Favorable engineering survey within 45 days of binding.
Favorable review of most recent prepared financial statement. (audited, review or compilation preferred)
Liability deductibles will be considered with sufficient collateral.
Minimum premium of $25,000 for account.
Driver eligibility guidelines must be found acceptable by Risk Control.
Aircraft liability and aircraft hull coverage ineligible.
Risk must be domiciled in Texas (Multi-state risks subject to underwriting consideration).
Risks that operate primarily in Starr, Hidalgo, Willacy or Cameron Counties are ineligible.