Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M combined single limit), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), workers' compensation for W-2 drivers, garage liability for dispatch facilities, and hired & non-owned auto for subcontracted vehicles. City taxi permits and airport contracts often require additional insured endorsements and specific limit certificates.
What auto liability limits do taxi companies need?
City taxi permits typically require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M combined single limit minimum. NYC TLC requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M depending on vehicle type. LAX and LADOT require
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M. Chicago requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M. Airport contracts often require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M plus additional insured endorsements.
Why do taxi companies need general liability insurance?
General liability covers injuries at your dispatch office, damage to third-party property, and advertising liability. Airport contracts, hotel agreements, and corporate accounts require a
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M general liability certificate before assigning business to you.
What is garage liability and why do taxi companies need it?
Garage liability covers injuries and property damage that occur at your dispatch facility, maintenance garage, or parking lot. It is required by most city taxi permits and protects against slip-and-fall claims, fire damage, and equipment liability at your premises.
What do city permits and airport contracts require for taxi insurance?
City permits require proof of commercial auto liability at city-mandated limits, a certificate of insurance naming the city as additional insured, and often garage liability and workers' compensation. Airport contracts add primary/non-contributory language and umbrella coverage requirements.
Frequently Asked Questions
What insurance does a taxi company need?
Commercial auto liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), garage liability, workers' compensation for W-2 drivers, and HNOA for subcontracted vehicles.
What is the minimum auto liability for a taxi?
Insure Limos | Commercial Transport & Luxury Livery Insurance
M combined single limit in most states. NYC TLC requires up to $5M. LAX and other major airports require
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M. City permit requirements vary.
Do taxi companies need garage liability?
Yes, if you operate a dispatch office, maintenance facility, or parking lot. Garage liability is required by most city taxi permits and covers premises-related injuries and damage.
Can a taxi driver use personal auto insurance?
No. Personal auto insurance excludes all for-hire commercial use. Any claim involving a passenger would be denied. A commercial taxi policy is required from day one.