Uber Black / TCP livery
Uber Black & TCP insurance for California livery drivers.
California Uber Black requires a CPUC TCP charter-party permit and $750,000 in commercial liability. We place affordable livery/TCP coverage and help you file — fast quote, Russian-speaking agents.
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.
Why Uber Black needs commercial coverage
Uber Black — and other black-car and livery platforms — is regulated by the California Public Utilities Commission (CPUC) as a charter-party carrier, not as TNC rideshare like UberX or Lyft. That means you need a TCP permit and a commercial livery policy; a personal auto policy or a rideshare endorsement will not satisfy the CPUC or the platform. As an independent broker we place livery/TCP policies that meet the CPUC's $750,000 minimum and help you file the evidence of insurance the CPUC requires for your permit.
What it covers
Commercial livery liability
Meets the CPUC TCP minimum — $750,000 combined for vehicles seating 7 or fewer (the Uber Black class).
Physical damage
Collision and comprehensive to protect your black-car vehicle.
CPUC filing support
We help file the evidence of insurance the CPUC requires to keep your TCP permit active.
Uninsured / underinsured motorist
Protects you and your passengers when the at-fault driver has no insurance.
Higher limits & fleets
$1,500,000 for vehicles seating 8–15, plus coverage for multi-vehicle livery fleets.
How much it costs
Livery/TCP premiums depend on your vehicle, driving record, coverage limits, radius of operation and whether the vehicle is financed. Commercial livery coverage costs more than a personal auto policy because of the higher required limits and full-time commercial use. Rather than quote a one-size price, we compare livery and TCP markets for a fast quote on your exact setup. Call (310) 299-5555 for your number.
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 Uber Black or Uber Black SUV, or running a black-car, limo or livery service in California, needs a CPUC TCP charter-party permit and a commercial livery policy that meets the $750,000 minimum ($1,500,000 for vehicles seating 8–15, and $5,000,000 for 16 or more). A personal auto policy or a standard rideshare endorsement does not meet the CPUC requirement.
How it works
Tell us your vehicle & platform
Uber Black, Black SUV or livery — and whether you already have a TCP number.
We shop livery/TCP markets
For a policy that meets the CPUC's $750,000 minimum for your class.
We help you file
We help file the evidence of insurance the CPUC requires for your TCP permit.
See how the pieces fit
Match the vehicle, operation and paperwork
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Passenger service
Describe the vehicle, passenger capacity and private or platform bookings.
- 02
Permit and platform
Bring the current requirements from your permit authority and each platform.
- 03
Coverage review
Ask which policy forms, limits and filings the proposed option actually includes.
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
Does Uber Black need a TCP permit in California?
Yes. Uber Black is a charter-party livery service regulated by the CPUC, so you need a TCP permit and a commercial livery insurance policy — not a TNC rideshare endorsement like the one used for UberX or Lyft.
How much liability insurance does the CPUC require?
For charter-party (TCP) vehicles seating 7 or fewer — the Uber Black class — the CPUC requires $750,000 in combined public liability and property damage. Vehicles seating 8–15 require $1,500,000, and 16 or more require $5,000,000 (CPUC General Order 115).
Isn't my rideshare endorsement enough for Uber Black?
No. A rideshare endorsement is built for TNC platforms like UberX and Lyft. Uber Black is livery regulated by the CPUC and needs a commercial TCP policy that meets the $750,000 minimum.
Can you help file my evidence of insurance with the CPUC?
Yes — we help file the evidence of insurance the CPUC requires for your TCP permit so your authority stays active.
How much does Uber Black insurance cost?
It depends on your vehicle, driving record, limits and radius — livery coverage costs more than personal auto because of the higher required limits and commercial use. We compare TCP markets for a fast quote; call (310) 299-5555 for your exact number.
Do you speak Russian?
Yes — our agents serve black-car and livery drivers in English and Russian.