Taxi drivers take risks every time they’re behind the wheel. At California Trucking Insurance, we help you save money with taxi insurance policies we design to your unique needs. Our policies are adapted to fit:
- Single taxi drivers working for themselves
- Large taxi fleets that need comprehensive coverage
Our professionals personalize policies to give you peace of mind every time you get behind the wheel.
Have questions or want to get started on your insurance quote?
Contact a representative to see if you qualify for low or no down-payment taxi driver insurance.
Why You Need California Taxi Insurance
Driving a taxi has its own challenges, whether you’re a company with a fleet or a solo driver working hard to pay the bills. Every fare comes with its own risks of navigating busy streets, pedestrian areas and airports.
LAX is one of the world’s busiest airports, and a liability risk is a split second away.
Drivers or fleet owners with drivers require insurance to meet:
California Compliance Laws
Taxi cab insurance is a requirement on the state and local levels. You’re required to maintain insurance while driving any vehicle in the state, but especially when operating commercially. Insurance protects you as the driver or owner from direct liability, but it also extends coverage to pedestrians, passengers and other motorists.
Driver and Passenger Protection
Coverage protects your vehicle(s), but it also covers medical costs and injuries for drivers and passengers. You, and/or your team, deserve peace of mind that if an accident causes injuries, their safety and well-being are part of a comprehensive insurance package.
Financial Protections
Taxi fleet insurance protects you from the financial ramifications of an accident. Lack of adequate coverage leaves you personally liable for the cost of medical expenses, liability claims, legal expenses and vehicle damage. We’ll draft a policy that offers extensive coverage that fills in liability gaps so that you can focus on running your business.
Our team of insurance specialists is up-to-date on California’s evolving laws to provide you with a robust policy that maximizes coverage while keeping costs low.
What Are the Taxi Insurance Requirements in California?
California’s taxi driver insurance must meet minimum liability limits, but all coverage requirements include:
- Personal liability and property damage endorsement: For-hire carriers, which include taxi drivers, are required to have a personal liability and property damage endorsement on their insurance policy.
- Liability coverage minimums: Coverage with limits that vary from $300,000 to $1.5+ million, depending on the location. For example, Los Angeles requires $1M for commercial liability cover, but this amount can be up to $1.5M when operating in LAX.
- Uninsured/Underinsured Motorist (UM/UIM): If another motorist fails to obtain adequate insurance, it leaves you open to significant risks. UM/UIM protects both passengers and vehicles if involved in an accident with an uninsured motorist.
- Workers’ compensation coverage: California has a strict mandate for any taxi fleet that hires employees or staff. You must have workers’ compensation insurance to provide your employees with benefits if they’re injured during the course of their duties.
Our agents will work diligently to draft a policy that covers the state’s minimum taxi driver insurance with options to add on further coverage to fill liability gaps.
If you plan to drive across state lines, such as into Nevada, we’ll provide taxi fleet insurance options to provide you with the robust protection you need to run your business without concern.
You might even need higher minimum limits, which we’ll research and discuss with you to verify that you have the minimum coverage necessary across all areas of operation.
Who Our Team of Experts Helps Obtain Insurance
We use our extensive 20 years of experience to assist taxi drivers and fleet owners with comprehensive insurance policies. If you fall into any of the categories below, we have the experience and policies to keep you safe on the road:
- Taxi companies or fleets
- Taxi drivers
- Taxi services
Denied insurance in the past and need a policy? We’ll review your options with you and work diligently to provide coverage that allows you to get back on the road legally.
What Our Taxi Insurance Covers
We place you with insurers that fit your unique coverage needs. Our team mixes and matches options that include but are not limited to:
- Collision: Coverage in the event that your taxi is involved in a collision that kicks in no matter who is at fault.
- Comprehensive: Non-collision accident coverage, which includes things like fire, natural disasters, theft and vandalism.
- Liability: Mandatory coverage for all commercial operations in the State of California, as discussed previously.
- Loss of use: Compensation for any lost income while your taxi is being repaired. Note: Payouts are only available for covered claims.
- Personal injury protection: PIP insurance options offer medical expense coverage that extends to you and your passengers even if you are at-fault for the accident.
- Uninsured/underinsured motorist: Drivers who are involved in an accident with someone who has no or insufficient insurance can rely on this type of insurance to fill the gap.
You may not need all of these types of insurance, but we do allow you to mix and match them to accommodate your risk tolerance.
Why Taxi Drivers, Companies and Services Choose Us
Transportation companies in California rely on us to provide robust insurance options that limit their risks on the road. We’re chosen as the go-to insurer because of our:
- Custom policies that we draft to provide the coverage you need that is perfect for your risk tolerance. Add or remove optional coverage to protect your livelihood.
- DMV service that notifies the DMV of your current insurance electronically for instant coverage without standing in line or waiting a second longer than necessary.
- First-class claims that get you back on the road as quickly as possible if you’re in an accident.
- Flexible payment options that allow you to pay for your insurance via checks, credit cards, debit cards, e-checks and other payment options. We also have options to pay monthly, in full or in two equal halves to better meet your budget needs.
Do you need taxi insurance in California or the greater Los Angeles area?
Let us help you with a robust policy that provides extensive coverage to minimize you or your fleet’s risks.