Livery Insurance

What is a Livery Vehicle?

In New York City, Livery Vehicles are sometimes referred to as Car Service. Livery Vehicles provide pre-arranged transportation via Taxi & LimousineCommission (TLC) approved Car Service Bases. Livery cars can be dispatched via telephones, web sites or apps and have binding fare quotes issued by the base. There are no restrictions on fare payments as compared to Black Cars.

There is a wide variety of vehicles that can be affiliated with car service bases and the average age for a livery vehicle is currently 6.5 years. Street Hail Livery permits can be purchased that allow hailing passengers in the outer boros and upper Manahattan, this is also referred to as Green Taxi. In order to operate a Livery vehicle, drivers need to have a valid TLC license.

Livery Vehicle Insurance Requirements

livery vehicle

The TLC mandates that Livery vehicles have minimum levels of insurance coverage. For most vehicles this is liability coverage of $100,000 per person, $300,000 per accident, $200,000 in personal injury protection and $10,000 in property damage. Sounds confusing? It doesn’t have to be. Just download the INSHUR app, scan your TLC license and in seconds you have quotes from top Livery insurance companies that conform to TLC coverage requirements. Shopping for a TLC policy the old fashioned way can be painful – finding a broker, showing up at the broker’s office, finding parking, coming back with missing paperwork, waiting for days to get a policy issued – this can all add to the time it takes to get on the road. And as Livery driver, your time is money!


Livery Vehicles By Base