What Insurance Limits Do Airports, Brokers, TCP Authorities, and Municipalities Require?
Quick Answer
What Insurance Limits Do Airports, Brokers, TCP Authorities, and Municipalities Require?
Airports require
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M–$5M CSL auto liability. Medicaid brokers require
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M–$2M plus additional insured and waiver of subrogation. TCP authorities (California CPUC) require
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.5M for 1–7 passengers and $5M for 8+. Municipalities typically require
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M–$5M auto liability plus general liability (
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M–$2M) and workers' compensation. Each entity issues its own COI requirements.
What insurance limits do airports require?
Major airports: LAX
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.5M–$5M, SFO
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M–$5M, JFK
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M–$5M, ORD
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M–$5M, MIA
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M–$5M, DFW
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M–$5M. Additional insured endorsements and primary/non-contributory language are required at all major airports. Some require umbrella coverage up to
Insure Limos | Commercial Transport & Luxury Livery Insurance
0M total.
What insurance limits do brokers require?
Medicaid brokers (LogistiCare, Modivcare, MTM):
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M–$2M auto liability minimum,
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M professional liability,
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M–$2M general liability, workers' compensation for W-2 drivers, additional insured endorsement naming the broker, waiver of subrogation, and 30-day cancellation notice.
What insurance limits do TCP authorities require?
California CPUC:
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.5M CSL for 1–7 passengers, $5M for 8+ passengers. CPUC Form PL must be filed. Other state TCP/PUC authorities have similar requirements ranging from
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M–$5M depending on vehicle class.
What insurance limits do municipalities require?
City taxi permits:
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M–$5M auto liability depending on the city. NYC TLC:
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M–$5M. Chicago:
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M–$2M. Los Angeles:
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.5M via LADOT. Most municipalities also require additional insured endorsements naming the city and general liability for permit holders.
How to handle multiple insurance requirements at once
We work with operators who must simultaneously satisfy airport, Medicaid broker, city permit, and state DOT requirements. We structure the policy and endorsements to satisfy all entities at once and issue separate certificates for each authority with the exact language they require.
Frequently Asked Questions
What limits do airports, brokers, TCP authorities, and municipalities require?
Airports:
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M–$5M. Medicaid brokers:
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M–$2M plus E&O and additional insured. TCP:
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.5M–$5M. Municipalities:
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M–$5M. Each entity also adds endorsement requirements.
What is the highest auto liability limit any airport requires?
Some airports require umbrella coverage bringing total limits to
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0M for certain vehicle classes. Most major airport permit requirements cap auto liability at $5M CSL.
Do all brokers require waiver of subrogation?
Yes. Medicaid brokers (LogistiCare, Modivcare, MTM) universally require waiver of subrogation as a condition of dispatching Medicaid trips.
What is the minimum TCP limit in California?
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.5M combined single limit for 1–7 passenger vehicles under CPUC General Order 157.3. $5M for 8+ passengers.