Taxi Insurance and Rideshare Insurance
Specialty insurance solutions tailored to your unique needs.
Get StartedGet customized insurance coverage solutions from an insurance partner that's on your side on every ride.
XINSURANCE partners with taxi and rideshare drivers and companies to help ensure that every ride is properly protected with liability insurance coverage.
What is Rideshare and Taxi Insurance?
Rideshare and taxi insurance is a specialized form of liability protection that addresses the unique risks drivers and companies face in the transportation services industry. As someone navigating the roads and responsible for the safety of your passengers, the road ahead is unpredictable. That’s why having the right liability insurance isn’t just a regulatory requirement; it’s your safety net in a world full of stop signs and unforeseen detours. In the event of an incident, this insurance serves as your financial shield, ensuring that you’re not left out in the cold facing claims or disputes alone.
With XINSURANCE, understand that it’s not just about meeting legal obligations—it’s about ensuring continuity and stability for your livelihood. Whether you’re a driver ensuring the safety of your passengers or a company managing a fleet, the right liability insurance underpins your reputation, secures your assets, and reinforces your commitment to safety. XINSURANCE stands ready to drive alongside you, offering that peace of mind and letting you focus on what you do best: delivering exceptional service on every journey.
Who We Can Help
- Taxi & Rideshare Drivers
- Taxi & Rideshare Companies
- Contractors
- App-based Transportation Services
- And More!
Taxi and Rideshare Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Hired & Non-Owned Auto*
Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.
*Available in most states
Physical Damage
Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.
Contingent Auto
Contingent auto insurance coverage provides a crucial layer of insurance for taxi or rideshare drivers, activating during specific app-on, no-passenger phases, bridging the gap between personal insurance non-coverage and the full commercial coverage from the rideshare company.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQ About Taxi Insurance & Rideshare Insurance
Does my personal auto insurance cover me?
A personal auto policy generally does not cover transporting passengers who pay for your driving services. Most personal auto insurance can only cover you when you’re using your vehicle for personal transportation. This distinction means third-party injuries and property damages wouldn’t be covered for a hired taxi or rideshare service.
Can I cover more than one car?
You can receive coverage for more than one vehicle, as long as they are scheduled. Personal auto insurance would be required for those cars too.
Am I covered if I drive another car?
You should list all vehicles driven with hired services on the taxi and rideshare policy to ensure coverage. A vehicle driven for paid transportation with the taxi and rideshare liability insurance must also have personal auto coverage.
Do you offer insurance in all 50 states?
XINSURANCE provides taxi and rideshare liability insurance solutions in most states. Some places have specific requirements to obtain third-party coverage for driving services.
How does liability insurance protect me?
Liability insurance may protect you in the case of an accident, incident, or lawsuit. For example, taxi and rideshare liability insurance may cover third-party injury or property damages if you get into an accident and are liable for the expenses. In the event of a lawsuit, XINSURANCE may cover the legal costs and expenses a jury or judge determines up to your term limits.
Is rideshare insurance or taxi insurance required by law?
The requirement for rideshare insurance or taxi insurance depends on state regulations and the policies of the company you’re driving for; however, it is strongly recommended or required in most regions to ensure proper coverage.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does rideshare insurance cost?
The cost of taxi insurance or rideshare insurance depends on variety of factors, including driver experience, claims history, location, number of vehicles scheduled, and more. It’s best to contact us and tell us more about your insurance needs so we can provide a personalized quote.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Commercial Auto
We provide specialized custom coverage solutions for any number of commercial auto needs, from commercial trucking, taxi cabs, limousines, buses, medical transport vehicles, and more.
Limousines
We provide liability insurance solutions for limousine services, companies, and drivers. We can help stretch limos, SUV limos, party bus limos, shuttle limos, and more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
