How much does ambulance service insurance cost in South Dakota? (2026)
Ambulance Service insurance pricing in South Dakota is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in South Dakota. Below: the most-recent South Dakota filings affecting ambulance service operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the Ambulance Service cost guide.
Recent rate-filing activity — 2 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting ambulance service operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | SD | LCM applied to NCCI loss cost — TIERED by underwriting category | Jul 1, 2025 | Filing #SD-DOI-TRAVELERS-CIA-LCM-2025 |
| WC | SD | LCM multiplier applied to NCCI advisory loss cost | Jul 1, 2022 | Filing #SD-DOI-HARTFORD-UND-LCM-2022 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National context — Ambulance Service insurance overview
Ambulance and EMS insurance carries an exposure most trades never face: clinical care delivered in a moving vehicle. Three lines do the heavy lifting — professional (medical malpractice) liability for the care your EMTs and paramedics provide, commercial auto tuned for emergency response, and abuse & molestation coverage for allegations arising from hands-on patient contact — a line standard general liability typically excludes. Professional liability is the defining coverage.
As an industry-typical estimate, state rules commonly require $1,000,000 combined-single-limit auto and $300,000–$1,000,000 professional-liability limits for a licensed ambulance operator, with abuse & molestation increasingly required. No insurance bureau publishes ambulance premiums, so every dollar here is an estimate; each fact is sourced to a named authority (III, IRMI). Use the calculator below, then get a real quote in 5 minutes.
Industry-typical market ranges (national)
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines an ambulance / EMS operation typically carries (industry-typical estimates):
- Professional (medical malpractice) liability: claims arising from the clinical care EMTs and paramedics deliver — the trade-defining line. IRMI professional liability.
- Abuse & molestation: allegations from hands-on patient contact — typically excluded by standard GL and added by endorsement. IRMI abuse or molestation.
- Commercial auto: emergency-response vehicles carry high per-occurrence limits (commonly $1,000,000 CSL). III commercial auto.
- Workers' compensation: mandatory for a clinical workforce doing physical, high-injury work. III workers comp.
Call volume, emergency vs. non-emergency mix and crew credentials are primary rating factors.
For South Dakota-specific direction, see the filed-rate table above.
Get your actual South Dakota quote in 5 minutes
The data above is regulator-filed direction. Your actual South Dakota quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
Get a free South Dakota quote → 📞 Call 1-833-505-2594More South Dakota rate-filing detail
- All South Dakota commercial rate filings (every line, every recent filing) — the broader rate-data view for South Dakota
- Rate filings by state — directory of all 47+ states with active filings
- National Rate Change Tracker — every filing across every state, sortable
Get a real South Dakota quote for ambulance service
The data above shows the regulator-filed direction for South Dakota. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.
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Sources cited (national context above)
- Professional Liability Insurance — International Risk Management Institute (IRMI), 2024
- Abuse or Molestation Coverage — International Risk Management Institute (IRMI), 2024
- Commercial Auto Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024