TNC & Rideshare Insurance

Quick Answer

TNC & Rideshare Insurance

Specialized commercial insurance for transportation network companies (TNCs), rideshare platforms, and on-demand mobility services. Period-specific coverage for all operational phases.

Period 1, 2, and 3 Coverage

TNC insurance covers all three operational periods: Period 1 (app on, waiting for request), Period 2 (en route to pickup), and Period 3 (rider in vehicle). Platform policies often have gaps in Period 1 that personal and commercial policies must fill.

Auto Liability Coverage

Insure Limos | Commercial Transport & Luxury Livery Insurance

M combined single limit is standard for TNC operations. Some states require higher limits. Our policies include endorsements that satisfy state TNC regulations and platform requirements.

Fleet Coverage for TNC Operators

If you operate a TNC fleet, we write commercial fleet policies covering all vehicles under one policy with a single renewal date, fleet safety discounts, and reporting endorsements.

Frequently Asked Questions

Does my personal auto insurance cover rideshare driving?

No. Personal auto insurance excludes all for-hire commercial use. Most policies deny claims that occur while driving for any rideshare platform. You need either a rideshare endorsement or a commercial policy.

What is TNC insurance?

TNC (Transportation Network Company) insurance is specialized commercial auto coverage for drivers and fleets that operate under rideshare platforms such as Uber, Lyft, and Via. It provides compliant coverage for all operational periods.

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