Ron Spalding Ron Spalding

Curb-to-Curb. Door-to-Door. Door-Through-Door. Is Your Insurance Keeping Up?

What happens when an NEMT driver helps a passenger beyond the curb and someone gets hurt? A fall on the front steps, an injury during a transfer, or assistance inside a patient's home can create insurance exposures that operators may not realize exist. Whether your company provides curb-to-curb, door-to-door, or door-through-door service, your coverage needs to reflect what your drivers actually do. Learn how passenger assistance, broker agreements, and potential gaps between Commercial Auto, General Liability, and Professional Liability coverage can impact your NEMT business.

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Ron Spalding Ron Spalding

Workers' Compensation Costs Start Long Before a Claim

Workers' compensation premiums are influenced by more than workplace injuries. Hiring practices, employee training, safety procedures, claims management, and return-to-work programs all play a role in controlling long-term insurance costs.

In this edition of #WorkersCompWednesday, Southeastern Insurance Agency explains how these everyday business decisions can affect your experience modification rate (EMR), workers' compensation premiums, and overall cost of risk.

We also discuss why having an insurance agent who actively reviews your classifications, claims history, and coverage can make a measurable difference.

This article was originally published on LinkedIn as part of Southeastern Insurance Agency's #WorkersCompWednesday series.

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  • Shawn M. (Amazon DSP since '20)

    “I truly had an exceptional experience with Southeastern Insurance Agency. Transitioning from my previous insurance carrier was a necessary decision, and Ron G. made the entire process incredibly smooth, seamless, and hassle-free for both me and my company.

    His professionalism, responsiveness, and attention to detail made what could have been a complicated transition remarkably easy.

    I genuinely appreciate the outstanding service and look forward to building a long-lasting relationship with Southeastern Insurance Agency.”

  • Caleb K. (Amazon DSP since '23)

    “They are great to work with and Ron is crucial for risk management! I highly recommend for cost, professionalism, and consulting.”

  • Bryce F. (Amazon DSP since '24)

    “Ron and the rest of the crew take care of our company. The time, consistency, and care that Southeastern puts in is unparalleled. We truly appreciate their partnership and services - our organization wouldn’t run how it does without Southeastern’s help!”

  • George T. (FedEx ISP)

    “The team did a great job walking me through my options step by step.”

  • Christina A.

    “It was really great working with Dawn. She went the extra mile.”


  • Dave B.

    “Easy to work with. Great interaction.”

  • Kaylie L. (DSP Consultant)

    “Very knowledgeable and helpful team. Will recommend them to any business needing insurance guidance!”

  • Jennifer W.

    “Ron and his team found actionable steps & affordable policies to eliminate the risks facing my industry. They were very patient while clarifying all the details.”

  • Kendra E.

    “I’ve had a really good experience with Southeastern Insurance Agency. The team is super easy to work with and actually takes the time to explain things in a way that makes sense. They’re responsive, helpful, and don’t make the process feel overwhelming. It’s nice working with people who seem to genuinely care about finding the right coverage instead of just pushing policies. Definitely recommend if you’re looking for a reliable insurance agency.”