Koosh Insurance · Aviation & Transportation

    Taxi Program

    The fare picked up at the airport at 2am. The dispute over a meter that went haywire. The collision at an intersection that turns into a passenger injury claim with three witnesses and four conflicting stories. Taxi and ride-hailing operations carry one of the highest claim frequencies in commercial auto — and standard commercial auto carriers usually don't write it. Specialty markets exist; finding them is the job.

    See what's covered

    Coverage

    What this coverage includes

    • Auto liability at state-required minimums, often higher contractually
    • Physical damage — collision and comprehensive — for the vehicle
    • Medical payments / personal injury protection for driver and passengers
    • Uninsured/underinsured motorist for accidents caused by inadequately insured drivers
    • Hired and non-owned auto for fleet operators using contracted drivers
    • General liability for dispatch, garage, and office operations
    • Workers' compensation when drivers are W-2 employees
    • Cyber liability for operations handling customer payment and trip data
    • Garagekeepers liability for fleet operators storing vehicles overnight

    Who Buys This

    Who typically buys this coverage

    • Independent taxi operators owning one or two vehicles
    • Taxi fleet operators with multiple vehicles and dispatched drivers
    • Limousine and black car services
    • Airport shuttle operators
    • Non-emergency medical transport (NEMT) operations
    • Specialty livery — wedding, corporate, hourly hire
    • Rideshare drivers running independently from rideshare platform coverage

    Why Koosh

    Why Koosh Insurance

    Taxi and livery is one of the harder placements in commercial auto. Generalist auto markets typically decline; specialty markets exist but underwrite tightly. Working with an agent who places this class regularly matters. The meter runs all day. The exposure runs all night. The right policy runs both.

    Specialty taxi and livery market access — carriers that actually write the class.

    MVR and driver record management — clean records keep you in standard markets; we work to structure programs that track and maintain them.

    State and municipal compliance — minimum-limit and filing requirements at city, county, and state level.

    Rideshare-aware structuring — for drivers operating on platforms, we structure coverage that fills the gaps.

    NEMT and specialty livery programs — non-emergency medical transport, paratransit, and contracted services have their own specialty markets.

    Garage and fleet coordination — for fleet operators, garagekeepers and storage exposure structured alongside auto.

    FAQ

    Frequently asked questions

    Higher mileage, urban operating environment, passenger liability exposure, and adverse claim frequency all drive premium. A taxi often runs 50,000-80,000 miles a year; a personal vehicle averages around 13,000. The exposure isn't comparable.

    Varies by state and municipality. Most cities require $300,000 to $1,000,000 combined single limit minimum; some markets and contracts (airport pickup, hotel partnerships) require $1.5M or higher. We confirm requirements at quote.

    No. Rideshare platforms provide partial coverage during specific phases (app on, accepted ride, ride in progress) but coverage gaps exist between phases that personal auto won't fill and many commercial policies exclude. Specific rideshare-aware coverage is its own placement.

    Generally no for properly structured 1099 relationships, but state auditors often reclassify drivers as employees, especially for taxi operations with dispatch control. We structure the insurance program to fit the relationship as documented, and we flag where state auditors are likely to push back.

    Workers' comp covers W-2 drivers. For 1099 drivers, occupational accident insurance is a specialty coverage that fills the gap. Both should be considered for any operation with safety risk.

    For an indication, yes. For a bound policy, no. Driver records are central to taxi underwriting — MVR pulls, prior accidents, license status, age, and experience all affect pricing meaningfully.

    Related

    Related services

    Jet & Aircraft

    Insurance for private jets and commercial aircraft.

    Aircraft Hangars

    Hangar property damage, liability, and operational hazards.

    Pilots & Staff

    Coverage for pilots and aviation personnel.

    This page provides general information about Taxi Program insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Taxi Program

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314