TNC Insurance · Florida
TNC & Rideshare Fleet Insurance in Florida
Florida law splits every app-based trip into three phases, and a gap between them can fall on the company or the car owner. TNC insurance closes those gaps. We compare multiple A-rated carriers.
What is TNC insurance in Florida?
TNC insurance is the liability coverage that a transportation network company, or the owner of a car on its platform, must carry under section 627.748 of the Florida Statutes. The amount depends on the phase of the trip. While a driver is logged on and waiting, the law sets at least $50,000 per person and $100,000 per incident for injuries, plus $25,000 for property damage. Once the driver accepts a ride, the floor rises to at least $1 million. The driver, the owner, the company or a mix of them can carry it. We compare TNC insurance across multiple A-rated carriers.
The Three Phases of a Florida Rideshare Trip
A transportation network company runs an app that matches riders with drivers. Florida's statute asks a different question at each step of a trip: who carries the coverage, and how much?
The app is off
The TNC statute does not apply. The driver's own auto policy answers, like it does for any other trip.
Logged on, waiting for a request
Primary liability of at least $50,000 per person, $100,000 per incident and $25,000 for property damage is required, with personal injury protection and uninsured motorist coverage. A personal auto policy may exclude this phase.
Ride accepted until the rider gets out
Primary liability rises to at least $1 million for death, injury and property damage combined, and the other coverages stay on.
Who Needs a TNC Insurance Policy
Four kinds of operation carry this exposure, and each one holds the coverage in a different way.
Ride-hailing companies
A company with its own app and its own drivers answers to the statute directly. It can carry the coverage itself, or require drivers to carry it and cover the gaps.
Fleet owners who rent cars to drivers
Under Florida law, a car let or rented to another person for pay can count as a TNC vehicle. The owner can be the one who holds the coverage.
Accessible ride companies
A company that arranges rides for riders with disabilities in ADA-compliant vehicles can fall under the same rule. Wheelchair lifts and ramps add loading risk of their own.
Drivers on their own car
One driver usually starts with a rideshare endorsement on a personal auto policy. A driver who runs several cars, or hires other drivers, needs a commercial policy.
What Florida Requires, Phase by Phase
Section 627.748 sets minimum coverage for transportation network companies and their drivers.
| Phase or question | What the statute sets | Where it comes from |
|---|---|---|
| Logged on, no ride accepted | $50,000 per person, $100,000 per incident, $25,000 property damage, plus PIP and uninsured motorist | § 627.748(7)(b), Florida Statutes |
| Ride accepted until drop-off | At least $1 million combined for death, injury and property damage, plus PIP and uninsured motorist | § 627.748(7)(c), Florida Statutes |
| Who may carry it | The driver, the vehicle owner, the TNC, or a combination | § 627.748(7), Florida Statutes |
| The driver's coverage lapses | The TNC's insurance responds from the first dollar and defends the claim | § 627.748(7)(d), Florida Statutes |
Platform contracts often ask for more than these floors, and the statute does not set a price. Limo and black car fleets are priced on other factors, set out in our limo insurance cost guide.
Have This Ready for Your TNC Insurance Quote
- How your platform works: where you operate, how drivers are onboarded and how many trips run each month.
- Your vehicle list with year, make, model and VIN, and who owns each car.
- Your driver list with license numbers and driving records.
- Who carries the coverage in each phase today, and any contract that names a limit.
- Loss runs from your current and prior carrier.
How does a transportation network company get insurance in Miami?
A transportation network company buys its coverage from a carrier that writes TNC insurance, and many companies reach those carriers through an independent agency. American US Insurance plays that role from Kendall for ride companies and fleet owners across Florida. Carriers read the three trip phases in different ways, so the transportation network company insurance offers are laid out phase by phase. Before you sign, you see who pays while the app is on, during a ride and when a driver's own policy lapses.
Additional Business Insurance Options
TNC and Rideshare Insurance Guides
Business Owners Policy vs. General Liability: Which Fits?
Business owners policy vs. general liability: a BOP adds property and business income coverage to liability. How to tell which your Florida business needs.
Read More →
Payment Bond vs. Performance Bond: How Each One Works
Payment bond vs. performance bond: one guarantees the job gets finished, the other that subs and suppliers get paid. When Florida public jobs need both.
Read More →Get a TNC and Rideshare Fleet Insurance Quote
Tell us about your platform, your fleet and who carries the coverage in each phase. We compare multiple A-rated carriers and show you every limit before you decide.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
Request My TNC Insurance Quote
Common Questions