Dockless Mobility Insurance Programs
The dockless mobility industry—including e-scooters, e-bikes, and other shared micro-mobility devices—faces unique insurance requirements from municipalities. Cities like Los Angeles require specific coverage levels and naming the city as additional insured.
Our dockless mobility insurance program is designed to meet or exceed all municipal requirements while protecting your business from the unique risks of operating shared mobility services.
E-Scooter Programs
Shared electric scooter fleet insurance
E-Bike Programs
Shared electric bicycle fleet insurance
Municipal Insurance Requirements
Each city has specific insurance requirements for shared micro-mobility operators. We help you meet all municipal requirements across California and Nevada.
San Francisco (SFMTA)
Commercial General Liability: $2,000,000 per occurrence, $5,000,000 general aggregate
Workers' Compensation: Statutory limits, $1,000,000 Employers' Liability
Auto Liability: $1,000,000 minimum
Umbrella/Excess: $1,000,000 per occurrence
City and County of San Francisco must be named as additional insured.
City of Los Angeles
General Liability: $1,000,000 per occurrence, ISO Form CG 00 01
Auto Liability: $1,000,000 limits
Workers' Compensation: Statutory limits, $1,000,000 Employers' Liability
Umbrella/Excess: $1,000,000 per occurrence
Performance Bond: $100 per vehicle
City of Los Angeles, its officers, agents and employees must be named as Primary additional insureds.
City of San Diego
General Liability: $2,000,000 per occurrence, $4,000,000 aggregate
Umbrella/Excess: $4,000,000 umbrella policy
Workers' Compensation: Statutory limits
Performance Bond: $65 per device
Permit Fee: $150 per device annually
Must indemnify City of San Diego from all liability claims.
City of San Jose
General Liability: $5,000,000 per occurrence (LA County standard)
Umbrella/Excess: $5,000,000+ umbrella policy
Workers' Compensation: Statutory limits
Application Fee: $3,351 annual permit fee
Device Fee: $139 per scooter annually
Deposit: $10,000 property repair deposit
Proof of insurance required before permit issuance.
City of Las Vegas
General Liability: $5,000,000 per occurrence (industry standard)
Umbrella/Excess: $5,000,000+ umbrella policy
Cyber/E&O Insurance: $2,000,000 minimum
Workers' Compensation: Statutory limits
Higher limits recommended for faster permit approvals in Nevada.
City of Santa Monica
General Liability: $5,000,000 per occurrence (occurrence basis)
Workers' Compensation: California statutory limits, $1,000,000 Employers' Liability
Coverage Must Include: Products/completed operations, property damage, bodily injury, personal/advertising injury
Permit Fee: $20,000/year operator fee + $130/year per device + $1/device/day PROW fee
City of Santa Monica must be named as additional insured. 30-day cancellation notice required.
City of Long Beach
General Liability: Commercial liability insurance required per CA AB 371
State Requirement: $10,000+ per person for personal injury or death (CA AB 371)
Indemnification: Must indemnify City of Long Beach
Liability Waiver: City waiver must be included in app sign-up process
Fleet Size: 500-1,000 e-scooters per operator (4 operators max)
Contact GoActiveLB@longbeach.gov for current permit requirements.
South Bay Beach Cities
Hermosa Beach, Manhattan Beach, Huntington Beach
Status: Limited or no formal shared scooter/e-bike programs
Recommended Coverage: $1,000,000+ GL per occurrence, $5,000,000 aggregate
Workers' Compensation: California statutory limits
Business License: Required for any commercial operation
Contact individual city Community Development departments for current permit availability and requirements.
Coverage Options
ISO Form CG 00 01 occurrence basis coverage.
- $1,000,000 per occurrence minimum
- Products and completed operations
- Personal and advertising injury
- City named as additional insured
Coverage for service vehicles and employee autos.
- $1,000,000 liability limits
- Fleet maintenance vehicles
- Device collection/redistribution
- City named as additional insured
Protection for your field and operations staff.
- California statutory limits
- $1,000,000 Employers' Liability
- Field technicians covered
- Warehouse staff covered
Higher limits for catastrophic claims.
- $1,000,000 minimum per occurrence
- Excess over GL, Auto, EL
- Higher limits available
- City named as additional insured
Protection for app and user data.
- User data breach coverage
- Payment information protection
- GPS tracking data security
- Notification and monitoring
Municipal permit compliance bond.
- $100 per vehicle (typical)
- Payable without condition
- Device removal guarantee
- Permit compliance assurance
Frequently Asked Questions
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