Rideshare / Uber / TCP
Rideshare, Uber, Lyft & TCP insurance.
Don’t lose coverage driving Uber, Lyft, DoorDash, or running a TCP/livery operation. We add the right endorsement or commercial policy.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Close the rideshare coverage gap
Your personal auto policy can deny a claim the moment the app is on. We add a proper rideshare endorsement or, for TCP/livery operators, place a commercial auto policy so you’re covered in every phase — waiting, en route, and on a trip.
What it covers
Rideshare endorsement
Extends your personal policy to cover the gap while the app is on.
Commercial auto (TCP/livery)
Full commercial coverage for black-car, livery and TCP operators.
Delivery driving
Coverage for DoorDash, Uber Eats and Amazon Flex.
Gap-period protection
Covers Phase 1 (app on, waiting) where platform coverage is thinnest.
How much it costs
A rideshare endorsement is usually a modest add-on to your personal auto premium — often $10–$30/month. A full commercial auto policy for TCP/livery operators costs more because it provides higher limits and covers all phases of for-hire driving. We compare both so you carry only what your driving actually requires.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
Anyone driving for Uber, Lyft or delivery apps on a personal policy has a coverage gap — especially while waiting for a request (Phase 1). If you hold a TCP permit or run livery/black-car service, you need a commercial auto policy, not just an endorsement.
How it works
Tell us how you drive
Which apps, how often, and whether you hold a TCP.
We pick the right fix
Rideshare endorsement or full commercial auto.
Stay covered
Review the gaps between personal and platform coverage and the protection available for your driving.
See how the pieces fit
Talk through every part of a shift
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
App off
Describe personal driving and your existing auto policy.
- 02
Waiting for a request
Ask what applies while you are available in the app but have no accepted ride.
- 03
Pickup and trip
Compare platform terms, your policy and any deductibles for these periods.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- How the vehicle is used and who drives it
- Current coverage and your desired start date
- Questions about limits, deductibles or an SR-22
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
Isn’t the app’s insurance enough?
It has gaps — especially while you’re waiting for a ride. An endorsement or commercial policy closes them.
How much does rideshare coverage add?
A rideshare endorsement is often $10–$30/month. Full commercial auto for TCP/livery costs more but covers every phase.
Endorsement or commercial policy — which do I need?
Casual Uber/Lyft drivers usually need an endorsement; TCP/livery and black-car operators need commercial auto.
Do you cover TCP / livery?
Yes — we place commercial auto for TCP and black-car operators.
Am I covered for DoorDash or Amazon Flex?
Yes — we add delivery coverage so a claim isn’t denied for commercial use.
What happens if I have a claim with the app on?
Without the right coverage your personal insurer can deny it. The endorsement or commercial policy prevents that.