Urban miles, constant stops and drivers who change every month.
Commercial insurance for taxi, livery and rideshare fleet operators — including vehicles leased to drivers and the exposure that creates.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
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What taxi and rideshare fleet operations businesses actually need.
Commercial auto
Vehicles the business owns and the people who drive them for work.
Without it — High-mileage urban driving with continuous passenger pick-up is the highest-frequency exposure in public auto.
General liability
Third-party bodily injury and property damage — the line nearly every contract names by default.
Without it — Passenger boarding, the dispatch office and the lot are outside the auto policy.
Umbrella & excess liability
Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.
Without it — City authority requirements and a serious passenger injury both push past primary limits.
Hired & non-owned auto
Covers vehicles the business does not own but its people drive on the job — rentals, and employees running errands in their own cars. Their personal auto policy will not cover a business trip, and the claim lands on the business.
Without it — Vehicles brought in by drivers, or leased out to them, sit outside the owned schedule without it.
Workers compensation
Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
Without it — Where drivers are employees rather than lessees, it is required and it is checked.
Auto physical damage
Damage to your own tractor and trailer. Primary liability pays for what you do to everyone else and nothing for your equipment, so without this a rollover you caused leaves you paying off a truck you can no longer run.
Without it — A fleet vehicle off the road earns nothing and still carries its finance.
Garagekeepers
Customer vehicles in your care, custody and control — the exposure every repair shop and dealership has and most standard policies exclude.
Without it — Vehicles parked on your lot between shifts are property in your care.
Lori Adams, TRS
Commercial Trucking Insurance Advisor
Twenty-five years in trucking insurance. Knows the filings, the radius rules and the carriers that will actually take the risk.
Transportation Risk Specialist (TRS)
What taxi and rideshare fleet operations operators ask us.
Does it matter whether my drivers are employees or lessees?
It matters a great deal, to the auto policy and to workers compensation. A fleet that leases vehicles to independent drivers has a different exposure from one employing them, and the arrangement determines who is insured while the vehicle is out. Getting this described accurately is the single most important thing on the application, because a mismatch between the paperwork and the practice is what unravels at claim.
Are city or authority requirements different from the state minimum?
Frequently yes, and usually higher. Municipal taxi and vehicle-for-hire regulations often set their own limits and their own certificate filing, separate from the state financial responsibility requirement. The binding constraint is usually the local one, and it is worth confirming before assuming the state minimum is enough.
How do underwriters look at driver turnover?
Closely, because it is the largest variable they cannot see. Annual MVR screening, a documented hiring standard and telematics or cameras move the price in this class more than almost anything else. Operators who can produce a current driver list with clean records get quoted; operators who cannot, often do not.