Livery & Transportation Insurance
Limo · Uber Black · NEMT · Black Car

Uber Black / Lyft Lux

Owner-operators driving TNC black car services. We cover the gap periods Uber's policy doesn't — and protect your high-value vehicle.

Limousine Services

Stretch limos, SUV limos, and party buses. CPUC TCP permit-ready certificates. $5M liability for 8–15 passenger vehicles.

NEMT Operators

Non-Emergency Medical Transportation for Medi-Cal, Medicare, and private pay patients. Compliant with Modivcare, MTM, Veyo, and other broker requirements.

Black Car / Executive Sedan

Corporate account transportation, airport transfers, and event services. $1.5M liability with TCP permit filing included.

Wheelchair Accessible (WAV)

Vehicles with lifts or ramps for mobility-impaired passengers. Equipment endorsements and passenger accident coverage available.

Charter & Fleet Operators

Multi-vehicle fleets (3+ vehicles) under a single policy. Fleet discounts of 10–25% available for qualifying operators.

The core coverage required by the CPUC. Covers bodily injury and property damage to third parties when your vehicle is at fault. Minimum $1.5M for 1–7 passenger vehicles, $5M for 8–15 passengers.

Pays medical expenses and accidental death benefits for passengers injured while in your vehicle, regardless of fault. Critical for NEMT operators transporting medically fragile patients.

Protects you and your passengers when the at-fault driver has no insurance or insufficient limits. Required by California law and by the CPUC for TCP permit holders.

Covers damage to your own vehicle from accidents, theft, vandalism, fire, and weather. Essential for high-value vehicles (Uber Black SUVs, stretch limos) where replacement cost is significant.

Required if you have employee drivers. Covers medical expenses and lost wages for drivers injured on the job. California AB 5 classifies most livery drivers as employees — misclassification carries severe penalties.

Covers premises liability (slip-and-fall at your office or dispatch center), completed operations, and personal injury claims not covered by auto liability. Required by many event venues and corporate accounts.

CPUC TCP Permit

All NEMT operators must hold a valid CPUC TCP permit. Insurance must be filed with the CPUC and kept current — lapses result in permit suspension.

Medi-Cal / Medicaid Broker Requirements

Brokers like Modivcare, MTM, and Veyo require specific minimum limits (typically $1.5M per occurrence) and may require additional insured endorsements naming the broker.

Passenger Accident Coverage

Patients transported by NEMT are often medically fragile. Passenger accident coverage pays medical expenses regardless of fault — critical for dialysis and oncology transport.

Wheelchair Lift Endorsement

WAV vehicles with hydraulic lifts or ramps require an equipment endorsement covering mechanical failure, damage to the lift, and liability during loading/unloading.

Workers' Comp for Drivers

California AB 5 classifies most NEMT drivers as employees. Workers' Comp is required and must cover all drivers on your roster, not just full-time staff.

Driver Background & MVR Requirements

Most NEMT brokers require annual MVR (Motor Vehicle Record) checks and background screenings. We can help you structure your policy to align with broker onboarding requirements.

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What insurance do I need to operate a limousine or black car service in California?

California limousine and black car operators are regulated by the California Public Utilities Commission (CPUC) as Transportation Charter Party (TCP) carriers. Required coverages include: Commercial Auto Liability (minimum $1.5M per occurrence for vehicles carrying 1–7 passengers, $5M for 8–15 passengers); Uninsured/Underinsured Motorist coverage; and Workers' Compensation if you have employees. Most operators also carry General Liability for premises and event liability. A TCP permit requires proof of insurance on file with the CPUC before operating.

Does my personal auto policy cover me when driving for Uber Black or a TNC?

No. Personal auto insurance policies explicitly exclude commercial transportation use. When you are logged into the Uber app and carrying passengers, you are operating as a Transportation Network Company (TNC) driver. Uber provides some coverage during active trips, but the limits and gap periods (app on, no passenger) leave significant exposure. Uber Black operators driving high-value vehicles (typically $50,000+) should carry their own commercial auto policy to ensure continuous, adequate coverage — especially for vehicle damage and liability during gap periods.

What is NEMT insurance and what does it cover?

Non-Emergency Medical Transportation (NEMT) insurance is specialized commercial auto coverage for vehicles transporting patients to and from medical appointments, dialysis centers, hospitals, and other healthcare facilities — without emergency services. NEMT operators in California must comply with both CPUC regulations and Medi-Cal/Medicaid transportation broker requirements. Coverage includes: Commercial Auto Liability (minimum $1.5M); Passenger Accident coverage; Wheelchair lift/ramp equipment coverage; and Workers' Compensation for drivers. Many NEMT brokers (Modivcare, MTM, Veyo) require specific minimum limits and endorsements before onboarding drivers.

How much does livery insurance cost in California?

California livery insurance costs vary significantly by vehicle type, passenger capacity, and operation type: Sedan/SUV (1–7 passengers): $3,000–$8,000/year for $1.5M liability. Stretch limousine (8–15 passengers): $6,000–$15,000/year for $5M liability. NEMT van/wheelchair accessible: $4,000–$10,000/year. Uber Black (owner-operator): $2,500–$6,000/year. Rates depend on driver history, annual mileage, vehicle age, and prior claims. Fleet operators (5+ vehicles) often qualify for fleet discounts of 10–25%.

What is a TCP permit and do I need one?

A TCP (Transportation Charter Party) permit is issued by the California Public Utilities Commission (CPUC) and is required for any company or individual providing prearranged passenger transportation for compensation in California — including limousines, black cars, and charter buses. To obtain a TCP permit, you must: submit an application to the CPUC; file proof of insurance meeting CPUC minimums; pay the permit fee; and pass a CPUC inspection for vehicles with 8+ passengers. Operating without a TCP permit is illegal and can result in fines, vehicle impoundment, and personal liability.

Do I need Workers' Compensation for my drivers?

Yes, if your drivers are classified as employees under California law. California has strict worker classification rules (AB 5), and most livery and NEMT drivers are classified as employees — not independent contractors — under the ABC test. Misclassifying employees as contractors to avoid WC premiums is a serious violation that can result in back premiums, penalties, and personal liability for injuries. Under SB 216, all licensed contractors must carry WC, and similar principles apply to transportation operators with employees. We can help you structure your WC policy correctly for your fleet and driver count.

Can I insure a fleet of livery vehicles under one policy?

Yes. Fleet commercial auto policies cover multiple vehicles under a single policy with a single renewal date, which simplifies administration and often reduces per-vehicle premiums. Fleet policies are typically available for 3+ vehicles. For larger fleets (10+ vehicles), we can access specialty livery fleet programs through carriers that specialize in California transportation operations. Fleet policies can include scheduled auto (specific vehicles listed) or blanket auto (any vehicle used in the business), and can be combined with General Liability and Workers' Comp for a complete transportation package.