Lyft Black vs. Standard Lyft Insurance
Standard Lyft drivers (Lyft Express, Lyft Plus) operate under TNC insurance rules. Lyft Black drivers operate under TCP or livery rules — the same framework as limousine operators. This means Lyft's TNC contingent coverage does not apply to Lyft Black; instead, TCP/livery policies govern your coverage.
What Lyft Covers vs. Your Responsibility
During an active trip (P3), Lyft provides $1M liability. Between trips (P1/P2), Lyft's gap coverage is minimal. Your personal auto policy will not cover commercial use. You need a commercial TCP or livery policy covering all periods — not just during trips.
California Lyft Black Requirements
California Lyft Black drivers must hold a CPUC TCP permit and $1.5M commercial auto liability with Form PL on file. Lyft Black XL (seating 6 passengers) may require $5M under some interpretations — confirm your passenger count and permit class with the CPUC.