TNC & Mobility Insurance

Insurance for the Modern Transportation Economy

The transportation landscape has evolved dramatically with the rise of transportation network companies (TNCs) and new mobility services. At InsureLimos.net, we've developed specialized insurance solutions to address the unique risks and challenges faced by these innovative transportation businesses.

Our TNC & Mobility insurance programs are designed for a wide range of modern transportation services, including:

Rideshare companies and platforms
On-demand transportation services
Car-sharing platforms
Micro-mobility services (e-scooters, e-bikes)
Last-mile delivery services
Autonomous vehicle fleets
Mobility-as-a-Service (MaaS) providers

Why Choose Our TNC & Mobility Insurance?

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

Deep understanding of TNC and mobility business models
Coverage designed for the unique risks of on-demand transportation
Flexible policies that adapt to your operational needs
Competitive rates tailored to your specific risk profile
Expertise in navigating complex regulatory environments
Innovative coverage options for emerging mobility technologies

Comprehensive Coverage Options

We offer a wide range of coverage options to protect your TNC or mobility business:

Period-Specific TNC Coverage

Our TNC insurance provides coverage across all operational periods, addressing the unique needs of each phase:

Period 1: When the app is on but no ride has been accepted
Period 2: When a ride has been accepted and the driver is en route to pick up the passenger
Period 3: When passengers are in the vehicle

Auto Liability

Our auto liability coverage meets or exceeds state and local requirements for TNCs and mobility services, providing protection against bodily injury and property damage claims. We offer flexible limits to ensure adequate protection for your business model.

Physical Damage

Protect your vehicles with comprehensive physical damage coverage, including:

Collision coverage for damage from accidents
Comprehensive coverage for non-collision incidents (theft, vandalism, weather damage)
Coverage for vehicles during all operational periods
Flexible deductible options to fit your business model

Additional Coverage Options

We offer several additional coverage options to provide comprehensive protection for your TNC or mobility business:

General Liability: Protection for non-auto related claims, including premises liability and personal injury.
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.
Cyber Liability: Protection against data breaches and cyber attacks, crucial for app-based businesses.
Technology Errors & Omissions: Coverage for claims arising from technology failures or service errors.
Employment Practices Liability: Protection against claims of discrimination, harassment, or wrongful termination.
Workers' Compensation: Coverage for employee injuries and illnesses, with options tailored for the gig economy.

Specialized Mobility Coverage

For micro-mobility and emerging transportation services, we offer specialized coverage options:

Micro-Mobility Fleet Coverage: Specialized protection for e-scooters, e-bikes, and other micro-mobility devices.
Autonomous Vehicle Coverage: Forward-thinking protection for semi-autonomous and fully autonomous vehicle operations.
Mobility Platform Liability: Coverage for technology platforms that connect users with transportation services.

Risk Management for TNC & Mobility Operators

We provide comprehensive risk management services to help you reduce claims and operate more safely:

Driver Safety & Screening

Our risk management team provides guidance on best practices for driver screening, onboarding, and monitoring, including:

Background check protocols
Driver qualification standards
Ongoing driver performance monitoring
Safety training resources
Incident response procedures

Technology & Data Security

For app-based transportation services, we provide guidance on:

Data security best practices
Privacy compliance
App security measures
Customer data protection

Regulatory Compliance

Navigating the complex regulatory landscape for TNCs and mobility services can be challenging. We provide resources to help you understand and comply with:

State-specific TNC regulations
Local transportation ordinances
Insurance requirements by jurisdiction
Licensing and permitting
Emerging regulatory trends

Claims Management

Our specialized claims team understands the unique aspects of TNC and mobility operations. Our claims services include:

24/7 claims reporting
Digital claims submission and tracking
Dedicated adjusters familiar with TNC operations
Rapid response for serious incidents
Data-driven claims analysis to identify trends