What should a California contractor prepare for a business insurance review?

Prepare the business name, license or trade information, employee and payroll details, operations, vehicles or equipment when relevant, contracts, prior coverage, and claims history. A licensed team member can then review the request subject to carrier eligibility, policy terms, and underwriting.

How are business insurance limits or terms selected for a contractor?

Limits and terms are not universal. They can be influenced by the contractor's actual work, contracts, employee duties, vehicle use, project requirements, prior loss history, carrier guidelines, and applicable California requirements. The appropriate structure must be reviewed for the individual operation.

Can Asena provide an exact price or guarantee coverage for this page?

No. Any indication is preliminary until complete information is reviewed. Availability, pricing, limits, effective dates, certificates, and coverage are subject to carrier eligibility, policy terms, underwriting, and written confirmation.

Limo & TCP Insurance Requirements in California (2026): Class A, B, and C

Limo & TCP Insurance Requirements in California

California limousine and charter transportation companies must be licensed by the California Public Utilities Commission (CPUC) as Transportation Charter Party (TCP) carriers. TCP licensees must carry commercial auto liability insurance that meets CPUC minimums — which are significantly higher than standard commercial auto requirements.

CPUC TCP Insurance Requirements by Class

TCP Class	Vehicle Type	Minimum Liability
Class A	Vehicles seating 8+ passengers	$1,500,000 CSL
Class B	Vehicles seating 7 or fewer passengers	$750,000 CSL
Class C	Limousines, sedans, SUVs	$750,000 CSL

Uber Black and Rideshare TCP Requirements

Uber Black, Lyft Lux, and other TNC (Transportation Network Company) drivers operating under a TCP license must carry the CPUC minimums plus meet TNC carrier requirements. Most TNC platforms require $1M in liability during active trips.

Party Bus Insurance

Party buses seating 15+ passengers are classified as Class A TCP carriers and require $1.5M in liability. Party bus operators also need to carry liquor liability if alcohol is served.

Call Asena Capital Insurance Services at (858) 925-9555 for TCP insurance.