TNC Provider Insurance

Protecting Your TNC Platform

Operating a Transportation Network Company (TNC) like Uber or Lyft involves unique risks. Insurance is a mandatory requirement for all for-hire businesses, including rideshare and TNC platforms. InsureLimos.net provides specialized insurance programs designed to meet the complex needs of TNC providers, ensuring compliance and protecting your business, drivers, and passengers.

We understand the dynamic nature of the TNC industry and offer flexible coverage options that adapt to your operational model. Whether you're an established platform or a growing startup, we have the expertise to craft the right insurance solution.

California TNC Insurance Requirements (CPUC):

California regulations define specific insurance minimums based on the driver's status:

• Period 1 (App on, waiting for match):
  • Primary Liability: $50,000 (death/injury per person), $100,000 (death/injury per incident), $30,000 (property damage).
  • Excess Liability: $200,000 per occurrence.
• Period 2 (Match accepted, en route to passenger):
  • Primary Commercial Liability: $1,000,000 per occurrence.
• Period 3 (Passenger in vehicle):
  • Primary Commercial Liability: $1,000,000 per occurrence.
  • Uninsured/Underinsured Motorist (UM/UIM): $1,000,000 per occurrence.

TNCs must also disclose coverage details to drivers and inform them that personal auto policies typically do not cover TNC activities. We help ensure your platform meets these specific California requirements.

Beyond these minimums, we offer comprehensive solutions including Contingent Liability, Physical Damage, General Liability, and Cyber Liability tailored for TNC operations.

Get a California TNC Insurance Quote