What Uber Provides vs. What You Need
During a trip (P3), Uber provides $1M liability and $1M contingent comprehensive/collision. Between trips (P1/P2), Uber's coverage drops dramatically — as low as $50K per person. Your personal auto policy will deny any claim if you're online on the Uber app. You need a commercial TCP or livery policy that covers all periods including P1 and P2.
California: TCP Rules for Uber Black
California Uber Black drivers fall under CPUC TCP regulations — not TNC rules. You must hold a TCP permit with $1.5M CSL auto liability and Form PL on file with the CPUC. The TCP permit is in your name (or your business's name), not Uber's. Your commercial TCP policy must cover all periods — online, matching, and transporting.
Other States: Livery vs. TNC
In Nevada, New York, Illinois, Florida, and most other states, Uber Black operates under livery or for-hire vehicle rules rather than TNC rules. Minimum limits vary: Nevada (NTA) requires $1.5M for livery; New York (TLC) requires $100K/$300K BI + $200K SUM; Illinois requires $350K statutory (but Uber Black operators typically carry $1M+). Check your state's specific requirements.