Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M). Los Angeles requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M under LADOT. Chicago requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M. Miami requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M plus PIP. San Francisco requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M under SFMTA. Every city requires a commercial policy — personal insurance excludes for-hire operations.
What are the taxi insurance requirements in New York City?
NYC TLC requires: TLC-approved commercial auto insurance,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability depending on vehicle type,
Insure Limos | Commercial Transport & Luxury Livery Insurance
00K per-passenger coverage, $200K/
Insure Limos | Commercial Transport & Luxury Livery Insurance
00K uninsured motorist coverage, and workers' compensation for W-2 drivers. All policies must be with TLC-approved insurers.
What are the taxi insurance requirements in Los Angeles?
Los Angeles requires: LADOT for-hire vehicle permit,
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M auto liability CSL, additional insured endorsement naming the City of Los Angeles, and workers' compensation for W-2 drivers. Airport (LAX) operations add further requirements.
What are the taxi insurance requirements in Chicago?
Chicago requires: City of Chicago taxi medallion insurance,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M auto liability CSL, garage liability for dispatch facilities, and workers' compensation. The Chicago BACP (Business Affairs and Consumer Protection) issues taxi permits.
Why do city permits require different insurance than state minimums?
Cities set their own transportation authority requirements that often exceed state minimums. Cities absorb more liability risk when they issue permits, so they require higher limits and additional insured status to protect the city from lawsuits arising from permitted operators.
Frequently Asked Questions
What are the taxi insurance requirements by city?
NYC TLC:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M. Los Angeles:
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M. Chicago:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M. Miami:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M + PIP. San Francisco:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M. Requirements vary by city authority and vehicle type.
What is TLC insurance for NYC taxis?
TLC insurance is New York City Taxi and Limousine Commission-approved commercial auto coverage with
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability, required for all for-hire vehicles operating in NYC.
How much does taxi insurance cost in NYC?
NYC taxi insurance costs $6,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
5,000 per vehicle per year — the highest in the nation — due to high claim frequency, TLC requirements, and New York's legal environment.
Can I operate a taxi with personal auto insurance?
No. Personal auto insurance excludes for-hire commercial use in every city. A commercial taxi policy is required from day one of operation.