What Insurance Does a TCP Carrier Need in California?
Quick Answer
What Insurance Does a TCP Carrier Need in California?
A California TCP carrier needs commercial auto liability (
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.5M combined single limit for 1–7 passengers, $5M for 8+), general liability (
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M–$2M), workers' compensation for W-2 employees, and hired & non-owned auto coverage. The CPUC requires a Form PL insurance filing on every policy. Drug and alcohol program compliance is also mandatory.
What is the minimum auto liability for each TCP permit class?
TCP-P (1–7 passengers):
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.5M combined single limit. TCP-P (8–15 passengers): $5M CSL. TCP-T (taxi-style): varies by city. All limits are per the CPUC General Order 157.3.
What is CPUC Form PL and why does it matter?
CPUC Form PL is the insurance filing certificate that the CPUC requires on every TCP carrier policy. If your insurer does not file Form PL — or if the policy lapses — the CPUC automatically suspends your TCP permit. We file Form PL same-day on bound policies.
Do TCP carriers need a drug and alcohol program?
Yes. The CPUC and DOT require TCP carriers to maintain a compliant drug and alcohol testing program for all safety-sensitive employees including drivers. Pre-employment, random, post-accident, and reasonable-suspicion testing are all required.
What general liability do TCP carriers need?
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M–$2M general liability per occurrence. Required by most airport ground transportation permits, hotel referral programs, and corporate charter contracts in California.
Frequently Asked Questions
What insurance does a TCP carrier need in California?
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.5M–$5M auto liability, general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), CPUC Form PL filing, workers' compensation for W-2 employees, and compliance with DOT drug and alcohol program requirements.
What is the minimum auto liability for a TCP P permit?
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M combined single limit for 1–7 passenger vehicles. $5M for 8+ passengers per CPUC General Order 157.3.
What is CPUC Form PL?
The insurance filing certificate that your insurer files with the CPUC to activate and maintain your TCP operating permit. A lapsed Form PL means a suspended TCP permit.
Do TCP carriers need a drug and alcohol program?
Yes. CPUC and DOT require pre-employment, random, post-accident, and reasonable-suspicion drug and alcohol testing for all TCP drivers.