Specialty Lines

Public Transit For Hire Insurance

Coverage for autonomous vehicles, micro-transit, and emerging public transportation services. Municipal permit compliant programs.

Public Transit For Hire Insurance Programs

A wide variety of for-hire transportation options exist in cities like Los Angeles, including autonomous vehicles, micro-transit services, and emerging mobility solutions. These innovative services require specialized insurance programs that address unique risks.

Our public transit for hire insurance program provides comprehensive coverage designed to meet municipal requirements while protecting operators from the complex risks of next-generation transportation.

Municipal Insurance Requirements

Commercial General Liability: $1,000,000 per occurrence, ISO Form CG 00 01

Automobile Liability: $1,000,000 minimum limits

Workers' Compensation: Statutory limits with $1,000,000 Employers' Liability

Umbrella Insurance: $1,000,000 per occurrence minimum

Performance Bond: $100 per vehicle

City must be named as Primary additional insured on all policies.

Coverage Options

Auto Liability

Coverage for vehicle operations and accidents.

  • $1,000,000 minimum limits
  • Autonomous vehicle coverage
  • Passenger injury protection
  • City as additional insured
General Liability

ISO Form CG 00 01 occurrence basis.

  • $1,000,000 per occurrence
  • Products/completed operations
  • Bodily injury and property damage
  • Personal/advertising injury
Hired & Non-Owned Auto

Coverage for non-fleet vehicles.

  • Rental vehicles for operations
  • Employee personal vehicles
  • Support vehicle coverage
  • Substitute vehicle protection
Workers' Compensation

Employee protection coverage.

  • California statutory limits
  • $1,000,000 Employers' Liability
  • Remote operators covered
  • Vehicle technicians covered
Excess/Umbrella Liability

Higher limits for major claims.

  • $1,000,000+ per occurrence
  • Excess over primary policies
  • Autonomous vehicle risks
  • City as additional insured
Cyber Liability

Technology and data protection.

  • Vehicle system security
  • Passenger data protection
  • Operational technology coverage
  • Ransomware protection

Performance Bonds

Most municipalities require operators to maintain a performance bond, typically calculated at $100 per vehicle, payable without condition. This bond ensures compliance with permit requirements including:

  • Proper vehicle maintenance
  • Removal of abandoned or damaged vehicles
  • Compliance with operational requirements
  • Fleet size and deployment obligations

Frequently Asked Questions

Get Your Public Transit Insurance Quote

Comprehensive coverage for autonomous vehicles, micro-transit, and emerging mobility services.