Rideshare and TNC vehicle

Specialized Coverage

Transportation Network Companies (TNC)

Specialized insurance for TNC, rideshare, and shared economy transportation platforms.

Overview

Today's shared, or gig, economy represents a variety of distinctive businesses and platforms encountering unchartered insurance-related shortcomings — from limited insurance marketplace options to cost-restrictive policies and coverage gaps.

While the shared economy continues to grow and evolve, so do the myriad risks. You need a partner with in-depth knowledge of your unique industry to ensure you receive affordable and tailored coverage to manage your risk effectively.

Rideshare Companies
On-Demand Services
Micro-Mobility
Delivery Services

Who Needs This Coverage?

Transportation Network Companies (TNC)
Non-Emergency Medical Transit (NEMT) operators
Student Transport services
Delivery Network Companies (DNC)
Rideshare Rental Operators
Peer-to-Peer (P2P) Rental Operations
Vehicle Subscription Models
Autonomous Vehicle Services and Platforms
Shared Scooter or eBike Platforms
On-Demand Service Providers
Cannabis Delivery services
1099 Staffing Agencies and Aggregators

Coverage Includes

Comprehensive protection designed for the unique needs of TNCs and shared economy platforms.

Commercial Auto Insurance

Full coverage for your fleet operations

General Liability Insurance

Protection for premises and operations

Occupational Accident Insurance

Coverage for 1099 contractors

Workers' Compensation

For employee drivers and staff

Excess Liability & Umbrella

Additional protection up to $10M

Cargo Legal Liability

Protection for goods in transit

Contingent Liability

Coverage for third-party risks

Property Insurance

Protect your business assets

Garage Liability

Coverage for maintenance operations

Cyber Liability

Data breach and cyber attack protection

D&O and EPL

Management liability protection

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 en route to pick up

Period 3

When passengers are in the vehicle

Product Basics

Commercial Auto Insurance for TNC and rideshare platforms
General Liability limits tailored to your operations
Occupational Accident coverage for 1099 contractors
Workers' Compensation for employee drivers
Umbrella/Excess Liability up to $10 million
Management Liability Package
Directors & Officers Liability
Employment Practices Liability
Cyber Liability protection
Fiduciary Liability coverage

Key Benefits

Specialized coverage for shared economy operations

Understanding of TNC and gig economy exposures

Tailored solutions for digital platforms

Risk management tools and expert insights

Long-standing carrier relationships for competitive rates

Deep understanding of TNC and mobility business models

Flexible policies that adapt to your operational needs

Expertise in navigating complex regulatory environments

Risk Control Services

Fleet Safety Assessment

Comprehensive fleet monitoring and evaluation

Driver Qualification Programs

Training and qualification standards

Technology Integration Risk Analysis

Assessment of platform technology risks

Platform Liability Evaluation

Thorough review of liability exposure

Compliance and Regulatory Guidance

Navigate complex regulations

Claims Management Support

24/7 reporting and dedicated adjusters

Enhanced Coverages Available

Contingent Auto Liability
Non-Owned Auto Coverage
Hired Auto Liability
Cargo Legal Liability
Garage Liability
Garage Keepers Legal Liability
Technology Errors & Omissions
Platform Liability Coverage
Cyber Liability and Data Breach
Business Interruption
Equipment Breakdown
Crime Coverage
Umbrella/Excess Liability
Environmental Liability
Employment Practices Liability
Fiduciary Liability
D&O Liability
Professional Liability
Product Liability for modifications
Bailee Coverage for vehicle storage

Coverage and Services

Primary Coverages

Commercial General Liability
Commercial Auto and Physical Damage
Inland Marine
Property
Marketplace Cyber and Technology Platform Liability
Workers' Compensation (for select risks)

Specialized Services

Fleet Safety Assessment and Monitoring
Driver Qualification and Training Programs
Technology Integration Risk Analysis
Platform Liability Evaluation
Compliance and Regulatory Guidance
Claims Management Support

Coverage Options

Comprehensive insurance protection designed specifically for your transportation operations.

Auto Liability

The foundation of any commercial auto policy. It protects against financial loss if you or your drivers are found at fault for an accident that injures others or damages their property.

Required by law for all commercial vehicles. Limits typically range from $750,000 to $5 Million depending on vehicle capacity and regulatory requirements (PUC/DOT).

Auto Physical Damage

Covers the cost to repair or replace your vehicle if it's damaged in an accident, stolen, vandalized, or damaged by fire or weather.

Includes Collision (accidents) and Comprehensive (theft, fire, glass, etc.) coverage. Essential for protecting your fleet investment.

Workers' Compensation

Provides medical benefits and wage replacement to employees injured on the job. Mandatory for businesses with employees in California.

Protects your business from lawsuits related to workplace injuries. Covers medical bills, rehabilitation costs, and lost wages.

General Liability

Protects your business from third-party claims of bodily injury or property damage that occur on your premises or as a result of your business operations (non-driving).

Crucial for slip-and-fall accidents at your office, advertising injury, or customer property damage not involving the vehicle itself.

Garage Liability

Essential for transportation companies that maintain their own fleet. Covers liability arising from garage operations including vehicle maintenance and repair.

Includes Garagekeepers Legal Liability to protect customer vehicles in your care, custody, and control. Hired & non-owned coverage also available.

Excess Insurance

Provides higher liability limits beyond your primary policy. Often required for high-profile contracts, airports, or municipal bids.

Can extend coverage limits to $10 Million, $20 Million or more. Acts as a safety net for catastrophic claims.

Commercial Property

Protects your physical business assets, including your office building, furniture, computers, and tools.

Can be bundled with General Liability in a Business Owners Policy (BOP) for cost savings.

Cyber Liability

Protection against data breaches and cyber attacks. Essential for transportation companies handling sensitive client data and payment information.

Covers notification costs, credit monitoring, legal fees, and fines associated with data breaches.

Coverage Limits at a Glance

Auto Liability
  • $750,000 / $1M / $1.5M / $5M CSL
  • Medical Payments: $5,000 or $10,000
  • PIP where applicable
  • UM/UIM up to $1M available
Physical Damage
  • Deductibles from $1,000
  • Roadside: $300 aggregate/vehicle
  • Windshield: $100 deductible
  • Chip repair: No deductible
General Liability
  • Limits up to $5 million
  • Higher limits available on request
Excess Liability
  • Up to $20,000,000 available
  • Following form: $10M x $5M

TNC & Rideshare Insurance FAQs

Ready to Protect Your TNC Business?

Get a customized quote for your transportation network or mobility service today.