Taxi Insurance
Quick Answer
Taxi insurance provides broad commercial protection specifically designed for taxicab operations, including traditional taxi services, medallion taxis, and ind…
Your cab is more than a vehicle—it is how you earn a living. Casurance helps independent taxi operators and fleet owners request commercial insurance around their passengers, drivers, vehicles and daily service. Bring your renewal or start a new-business submission with a transportation specialist.
Start your taxi insurance quote
A taxi insurance review built around your working day
Street hails, dispatch bookings and airport queues can put the same taxi on the road for long hours with more than one driver. Your quote should reflect who drives, where the vehicle is garaged, how trips are booked and whether drivers lease a cab or operate their own vehicles.
Tell us about your municipal permits, airport access, accessible vehicles and any private-booking or app-based work. We help organize those details for available transportation markets and compare the limits, deductibles and exclusions that matter to your operation.
Taxi businesses and vehicles we help insure
Independent taxi operators
Start with one vehicle. Include your driving experience, ownership arrangement and the cities where you pick up passengers.
Taxi companies & dispatch fleets
List every vehicle and regular driver, including shift changes, dispatch arrangements and overnight garaging.
Airport taxi services
Share airport agreements and permit requirements so requested limits and endorsements can be reviewed before you commit.
Medallion & permitted cabs
Identify the permit holder, vehicle owner and named insured. Those names should align with the business being presented to the carrier.
Accessible taxi vehicles
Describe ramps, lifts, seating changes and passenger assistance. Include the value of installed equipment and any specialized service.
Hybrid & electric taxi fleets
Provide vehicle values, financing details and charging arrangements. Review repair costs and physical damage terms for each scheduled unit.
Coverage options to discuss with your agent
Commercial auto liability
Review protection for covered bodily injury and property damage arising from your declared passenger transportation operation. Match requested limits to the actual service and contracts.
Physical damage
Compare comprehensive and collision, deductibles and vehicle valuation. Include financed vehicles, custom equipment and conversions when presenting the schedule.
UM/UIM & passenger protection
Review uninsured and underinsured motorist options and any available passenger medical or accident coverage. Availability and elections vary by state and policy.
General liability
Consider business exposures beyond driving, including offices, terminals and premises. Commercial auto and general liability address different risks.
Hired & non-owned auto
Discuss rented vehicles, employee-owned autos and subcontracted work. Explain each arrangement so the carrier can assess the appropriate terms.
Umbrella / excess liability
Explore additional liability limits when requested by clients or appropriate for your exposure. Confirm which underlying policies the excess coverage follows.
Workers’ compensation
Request a review of driver, dispatch and office employee exposures. Employee coverage and independent-contractor arrangements should be evaluated separately.
Property & maintenance operations
If you own a depot, garage or equipment, describe those assets and any vehicle servicing. Ask about the separate coverages needed for those activities.
Coverage is subject to carrier availability, underwriting and policy terms.
Bring your city and airport requirements into the review
Taxi insurance requirements vary by operating authority and location. Send the current permit checklist or contract instead of assuming a general liability limit will satisfy every requirement. We can review requested certificates, additional insured wording and filings with the carrier.
What affects your insurance cost?
Garaging ZIP, annual mileage, operating hours, driver records, vehicle values, claims history and requested limits can all affect your taxi premium. At renewal, send your current declarations and loss runs so the comparison uses the same vehicles, drivers and coverage assumptions.
A two-step fleet application
Save your business and contact information first. Step 2 opens on a separate page for coverage limits, vehicle and driver schedules, VIN decoding, CSV and AI-assisted imports, loss runs and supporting documents. Review the imported information and coverage summary before submitting.
Taxi Insurance questions, answered
Can I apply with one taxi?
Yes. Start with your business and contact details, then add the vehicle and driver information on Step 2. Available terms depend on your location, experience, vehicle and underwriting.
Can I include multiple drivers using the same cab?
Yes. Identify the regular drivers and describe shift, employment and lease arrangements. The carrier must review who is operating each insured vehicle.
Will the quote meet my city or airport requirements?
Upload the current requirements for review. Requested limits and endorsements must be available, accepted and included in the issued coverage; submitting an application alone does not satisfy a permit requirement.
Does a taxi policy also cover rideshare or private bookings?
Tell us about every service you provide. App-based rideshare, black-car work and taxicab operations may require different terms. Do not assume an undeclared service is covered.
Can I insure a wheelchair-accessible cab?
Include the conversion, lift or ramp, seating and passenger assistance details. We can review the vehicle and operating exposures with available carriers.
What should I send with my taxi renewal?
Provide your current policy, renewal date, available loss runs, vehicle schedule and driver list. Step 2 supports imports and supporting document uploads; review the imported information before submitting.
Submitting an application does not bind coverage.
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