Standard INSHUR policy coverages

Standard INSHUR policy coverages

We’ve had a lot of TLC drivers asking what does a typical INSHUR policy cover so we decided to put together a post that details the coverage and limits. Our liability insurance coverage conforms to the minimum levels mandated by the TLC for most vehicles. We also offer collision coverage in combination with liability to create a “full coverage” package. Collision coverage is optional, liability is mandatory.

Below is a breakdown of a standard policy we offer:

Policy Type: Commercial Auto Liability (TLC minimum coverage)

Coverage Limits of Insurance
Bodily Injury Liability $100,000 per person $300,000 per accident
Property Damage Liability $10,000 per accident
Personal Injury Protection $200,000 aggregate
Uninsured/Underinsured Motorist $25,000 per person $50,000 per accident
Maximum Monthly Work Loss Benefit $2,000
Death Benefit $2,000
Other Necessary Expenses (per day) $25

Policy Type: Commercial Physical Damage (Optional)

Type Coverage Description
Collision Collision
Comprehensive (specified cause) Fire, lightening, explosion
Comprehensive (specified cause) Theft
Comprehensive (specified cause) Windstorm, hail or earthquake
Comprehensive (specified cause) Flood
Comprehensive (specified cause) Mischief or Vandalism
Comprehensive (specified cause) Sinking, burning, collision or derailment of any conveyance transporting the covered auto
Deductible $1,500 (please inquire for lower deductibles)
Driver Named insured only listed driver


This is a summary only and does not change coverage, terms or exclusions afforded by policies. Please inspect the policy carefully for coverage,terms, conditions and exclusions.