Ride-Sharing Insurance

Working through an app changes how your vehicle is used. Casurance helps rideshare drivers and fleet owners review personal-policy exclusions, platform coverage and commercial options for their actual passenger transportation business.

Understand your coverage before you switch the app on

Waiting for requests, accepting a pickup and carrying a passenger create different exposures. Tell us which platforms you use, who owns each vehicle and whether you also accept private bookings so your insurance review reflects the complete operation.

• Review coverage during each app period
• Identify personal auto and platform-policy exclusions
• Account for multiple drivers, vehicles and platforms
• Separate standard rideshare from commercial black-car work

Coverage options for app-based passenger transportation

Commercial auto liability, physical damage, UM/UIM and other options are subject to carrier availability and underwriting across the 48 continental U.S. states.

Rideshare operations we work with

One driver or an expanding fleet. Start with how you operate.

Frequently asked questions

How does rideshare insurance differ from personal auto insurance?

A personal policy may exclude driving for compensation. Depending on your use, carrier and state, a rideshare endorsement or commercial policy may be appropriate. We review those distinctions before recommending a quote path.

What are the three TNC app periods?

Period 1 is app on while waiting for a request. Period 2 begins when a trip is accepted and you travel to the pickup. Period 3 is the passenger trip. Available platform protection varies by state and driver classification.

Can I request coverage for more than one rideshare platform?

Yes. List every platform and any privately booked work. Your quoted policy must reflect all declared activities, subject to carrier acceptance and underwriting.

Can a rideshare fleet import its vehicle and driver schedules?

Yes. The separate application page supports multiple vehicles and drivers, CSV imports, AI-assisted prefill, VIN decoding and document uploads. Review extracted information before submitting.

Is this the same coverage required for Uber Black?

Not necessarily. Commercially licensed black-car and livery operators have different insurance requirements from standard TNC drivers. Identify your service type in the form so the review follows the right operation.

Which states can I request a rideshare quote for?

Casurance reviews passenger transportation opportunities across the 48 continental U.S. states. Carrier availability, eligibility and underwriting determine which options can be offered.