TCP Insurance

Comprehensive Coverage for TCP Operators

Transportation Charter Party (TCP) carriers face unique regulatory requirements and operational challenges. At InsureLimos.net, we understand these specialized needs and offer comprehensive insurance solutions designed specifically for TCP operators in California and across the United States.

Our TCP insurance programs are tailored for various types of charter transportation services, including:

Executive sedan and SUV services
Limousine operators
Charter bus services
Airport shuttle services
Corporate transportation providers
Tour operators
Special event transportation

Why Choose Our TCP Insurance?

Our specialized TCP insurance programs offer several advantages that set us apart from other providers:

Deep understanding of TCP regulations and requirements
Coverage that meets or exceeds CPUC requirements
Competitive rates tailored to your specific operation
Risk management services focused on TCP operations
Assistance with regulatory compliance
Expertise in passenger transportation insurance

Comprehensive Coverage Options

We offer a wide range of coverage options to protect your TCP business:

Auto Liability

Our auto liability coverage meets or exceeds CPUC requirements for TCP operators, providing protection against bodily injury and property damage claims arising from accidents involving your vehicles. We offer limits up to $5 million to ensure adequate protection for your business.

Physical Damage

Protect your valuable TCP fleet with comprehensive physical damage coverage, including:

Collision coverage for damage from accidents
Comprehensive coverage for non-collision incidents (theft, vandalism, weather damage)
Stated value options for specialty vehicles
Flexible deductible options to fit your budget

General Liability

Our general liability coverage protects your business from third-party claims for bodily injury, property damage, and personal injury that may occur on your premises or as a result of your operations, but not directly involving your vehicles.

Workers' Compensation

Protect your employees and comply with state regulations with our workers' compensation coverage, which provides benefits for work-related injuries and illnesses.

Additional Coverage Options

We offer several additional coverage options to provide comprehensive protection for your TCP business:

Hired & Non-Owned Auto Liability: Coverage for vehicles you rent, borrow, or hire, as well as employee-owned vehicles used for business purposes.
Garagekeepers Legal Liability: Protection for customers' vehicles in your care, custody, or control.
Uninsured/Underinsured Motorist: Coverage for accidents involving drivers with insufficient or no insurance.
Personal Injury Protection (PIP): Coverage for medical expenses regardless of fault in applicable states.
Excess Liability/Umbrella: Additional liability protection above your primary policy limits.
Employment Practices Liability: Protection against claims of discrimination, harassment, or wrongful termination.
Cyber Liability: Coverage for data breaches and cyber attacks.

Specialized TCP Coverage

We also offer specialized coverage options designed specifically for TCP operators:

Passenger Liability: Enhanced coverage for passenger injuries.
Liquor Liability: Protection for claims arising from alcohol served in your vehicles (for party buses and specialty vehicles).
Custom Equipment Coverage: Protection for aftermarket modifications and specialty equipment.
Loss of Income: Coverage for business income lost due to covered physical damage.

TCP Regulatory Compliance

We understand the complex regulatory environment for TCP operators and provide resources to help you stay compliant:

CPUC Requirements

The California Public Utilities Commission (CPUC) regulates TCP operators in California and requires specific insurance coverage. We ensure your policy meets or exceeds these requirements, including:

Minimum liability limits based on vehicle seating capacity
Proper endorsements and filings
Timely certificate submissions
Compliance with any changes in regulatory requirements

Certificate Filing Assistance

We provide assistance with the filing of certificates and endorsements required by the CPUC and other regulatory agencies, helping you maintain your TCP authority without interruption.

Risk Management for TCP Operators

Our risk management services help TCP operators implement best practices for safety and compliance:

Driver Qualification: Guidelines for hiring and screening qualified drivers.
Vehicle Maintenance: Recommendations for preventive maintenance programs.
Safety Programs: Resources for developing and implementing safety policies.
Regulatory Updates: Information on changes to TCP regulations and requirements.
Claims Prevention: Strategies to reduce the frequency and severity of claims.

Claims Management

Our specialized claims team understands the unique aspects of TCP operations. Our claims services include:

24/7 claims reporting
Dedicated adjusters familiar with passenger transportation
Rapid response for serious incidents
Claims analysis to identify trends and prevention opportunities