Coverage based on your operation
Carrying passengers for hire brings strict insurance requirements. In California, charter-party carriers operating under a TCP permit from the California Public Utilities Commission (CPUC) must keep required liability insurance on file, and taxi operators must meet the insurance rules of the cities, counties and airports where they operate.
CTP helps limo, charter, shuttle and taxi businesses gather what underwriters need, find markets that write passenger transportation, and keep filings and certificates current so your permits stay active.
The CPUC sets minimum liability limits for charter-party carriers based on vehicle seating capacity — for example, $750,000 for vehicles seating seven or fewer passengers, with higher limits for larger vehicles. Taxi requirements are set locally. We'll help confirm the limits your permits require.
Coverage options
- Passenger auto liabilityInjuries to passengers and others, with limits that meet permit rules.
- Physical damageCollision and comprehensive for sedans, SUVs, vans and limos.
- Uninsured / underinsured motoristProtection when another driver lacks enough coverage.
- Medical paymentsMedical expenses for passengers and drivers after an accident.
- Insurance filingsProof of insurance filed for your TCP permit where required.
- Workers' compensationRequired for charter-party carriers with employees.
Who it's for
- TCP charter-party carriers
- Limousine services
- Airport shuttles
- Taxi companies
- Party buses
- Non-emergency transport
What affects your price
Information commonly needed for a quote
The exact underwriting package depends on the market and your operation, but having complete information ready reduces back-and-forth.
Company & Permits
- Business name & address
- TCP number or city/airport permits
- Years in business
- Requested effective date
Vehicles
- Year, make, VIN
- Seating capacity
- Vehicle value
- Garaging location
Drivers & Operations
- Driver license details
- Driver experience
- Service area & hours
- Prior insurance & loss runs
Frequently asked questions
What is a TCP permit?
A TCP (Transportation Charter-Party) permit is issued by the California Public Utilities Commission to carriers providing prearranged passenger transportation such as limousines, charter vans and party buses.
How much insurance does a TCP carrier need?
CPUC minimums depend on seating capacity, starting at $750,000 for vehicles seating seven or fewer passengers and increasing for larger vehicles. Your insurer files proof of coverage with the CPUC.
Do you insure taxi companies?
Yes. Taxi insurance requirements are set by the cities, counties and airports where you operate, so share your permit requirements and we'll quote to match.
Do I need workers' comp if I have drivers?
If your drivers are employees, California requires workers' compensation, and the CPUC requires charter-party carriers with employees to carry it.