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Taxi Fleet Insurance

The Best Taxi Fleet Insurance

As a business owner, you know how important it is to control your costs. We help you do that by connecting you with multiple agents who write policies for taxi fleets. They each offer you their best price and you choose the policy that best suits your business. Get started now!

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The Ins and Outs of Taxi Fleet Insurance

Whether you’ve been running a dispatch for years or you’ve just now hired your first driver, it’s important to know as much as much as you can about taxi fleet insurance. This short guide will get you aquatinted with some of the things you need to know when you’re speaking to your insurance agent

The Basics of Taxi Fleet Insurance

The insurance policy for a taxi fleet business looks a lot like the insurance policy for a single taxi driver, with coverages for things like accidents and injuries. If you already have a standard taxi insurance plan, you can extend it into a multi-driver policy. You’ll receive the same protections as you did for your single taxi plan, now for each driver. That said, it’s usually best to shop around first. The more vehicles you add to a policy, the less you’ll pay per driver.

In addition to regular coverages for your drivers, there are separate coverages that you’ll need for your business itself. These business insurances will protect you from lawsuits from both your passengers and your drivers. We’ve outlined the coverages you should look for.

Driver Coverages

Automotive Liability Insurance – Pays for repairs to the vehicles of others and for medical expenses when your driver is at fault

Medical Payments – Pays for medical expenses when a passenger is harmed in one of your taxis

Collision Coverage – Pays for repairs to your vehicles following a wreck

Comprehensive Coverage – Pays for other damages, like fire, theft, and vandalism

Business Coverages

General Liability – Protects you against lawsuits when someone is harmed while on your premises.

Property Insurance – Pays for damages done to your place of business.

Workers Comp – Pays the medical bills of your drivers or dispatchers if they are hurt while on the clock

Garagekeepers Liability – Protects your vehicles while they are stored on your lot.

Risk

How much your fleet insurance policy costs is largely determined by how much risk you pose the insurance company. They calculate your risk based on several facts about you, your drivers, and your business history. Things they look at include

  • Your location
  • Your area of operation
  • Whether you are urban or rural
  • The age of your drivers
  • The number of accidents your drivers have been in
  • The types of services you provide

How to reduce risk

There are certain ways that fleets can reduce their risk in the eyes of the insurance company. Most of this involves training your drivers to stay safe. Insurance companies like to see that you’re committed to strict, documented company rules and policies and emergency procedures. They want to see that your taxis are inspected daily and that you are committed to safely servicing passengers.

You can also reduce risk by more rigorously vetting your drivers. Most accidents and incidents can be avoided simply by employing responsible drivers with a record of solid work.

How to find an agent

Insurance agents who write taxi fleet insurance are few and far between. That’s why we’ve set up this form to get you in touch with three agents at once. Three might not sound like much, but we’ve found that is the optimum number to thoroughly compare the marketplace. Get started now!

3 Taxi Cab Fleet Insurance Agents Compete for Your Coverage

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Every taxicab insurance website claims to have the best deal. But they can't all be right. Taxi Insurance HQ helps you cut through the noise and get the actual deal by having three agents compete over your taxi insurance policy at the same time … more

About Us

Taxi Insurance HQ helps taxi drivers get the best deal on insurance by connecting them to our network of agencies. When you request a quote from us, we match you with three independent brokers in your state who understand taxicabs. They compete. You save … more

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