Commercial taxi insurance for independent operators and fleet owners. City permit compliance, medallion coverage, and airport contract endorsements in all operating states.
Auto Liability Coverage
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M combined single limit depending on city permit requirements. NYC TLC requires commercial taxi policies. LAX/LADOT requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M. Most cities require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M minimum.
Garage Liability
Covers injuries and property damage at your dispatch facility or garage. Required by most city taxi permits. We bundle this with your auto policy.
General Liability
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M per occurrence for slip-and-fall injuries, property damage, and advertising liability. Airport contracts and hotel referral programs require this coverage.
Physical Damage
Comprehensive and collision for financed or leased vehicles. Agreed-value options available for older high-mileage vehicles where actual cash value would underinsure.
Frequently Asked Questions
What insurance do I need for a New York City taxi?
NYC TLC requires commercial taxi insurance with
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability,
Insure Limos | Commercial Transport & Luxury Livery Insurance
00K per passenger coverage, and TLC-approved carriers. We write TLC-compliant policies for NYC taxi operators.
Does taxi insurance cover airport trips?
Standard taxi policies cover all for-hire trips including airports. Airport ground transportation permits may require additional insured endorsements naming the airport authority.
Can I use personal auto insurance for taxi driving?
No. Personal auto insurance excludes for-hire commercial use. A single claim from a passenger would be denied. You need a commercial taxi policy from day one.
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