TLC/Taxi Liability
RequiredHelps cover injuries or damage you may cause while operating your vehicle for hire.
- Meets TLC/municipal requirements
- Covers legal defense (terms apply)
- Choose higher limits for added protection
AllGuard Insurance Brokerage Inc
Taxi/TLC Insurance
Coverage built for professional drivers—helping you stay compliant and protected on the road.
TLC/Taxi ReadyCoverage designed for livery needs
Fast Compliance HelpSupport with documents & certificates
Driver + Vehicle OptionsPolicies for drivers and fleets
Independent Brokerage
Fast Quotes
Personalized Coverage
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Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- TLC license info
- Vehicle details (VIN, year, make/model)
- Base/garage location
- Prior insurance + claims (if any)
What is Taxi/TLC Insurance?
Taxi/TLC insurance is commercial auto coverage designed for professional drivers and fleets, often with higher limits and documentation needed for compliance.
What does it cover?
TLC/Taxi policies are designed to meet licensing requirements and protect you on the road.
Physical Damage (Comp & Collision)
Vehicle protectionHelps repair or replace your vehicle after a covered loss, including accidents or theft/vandalism.
- Deductibles apply
- Often required if financed
- Ask about coverage while parked
Uninsured / Underinsured Motorist
RecommendedHelps protect you if you're hit by a driver without enough coverage.
- Important in dense traffic areas
- Limits may mirror liability
- Terms vary by carrier
PIP / Medical Payments
Injury coverageHelps with medical expenses after an accident, regardless of fault (state rules apply).
- May include lost wages (PIP)
- Coverage varies by state
- Works alongside health insurance
Rental / Loss of Use Options
Keep earningOptional coverages that help you stay on the road if your vehicle is in the shop after a covered claim.
- Rental reimbursement (if available)
- Downtime protection options
- Ask about eligibility
Good to know
Coverage and TLC requirements can change—tell us your license type and vehicle details so we can match the right policy.
Who needs it?
TLC drivers
Taxi drivers
Owner‑operators
Small fleets
Commercial rideshare operators
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is this the same as personal auto insurance?
No—commercial/TLC use typically requires specialized coverage.
How do I stay compliant with TLC requirements?
We’ll help align limits and provide required proof of insurance.
Can I insure multiple vehicles?
Yes—fleet options may be available.
Do you provide certificates for bases or garages?
Yes—share the certificate holder details and deadlines.
How quickly can coverage start?
Often the same day after underwriting approval.
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Ready to protect what matters?
Request a free quote or speak with an agent.