Details of the work
Licences, vehicle and driver schedules and platform arrangements.
Transportation and delivery · Business insurance
Taxi, Limousine Insurance
Passenger transport requires explicit acceptance of the paid use.
Prepare your taxi, limousine insurance enquiry around the work you actually perform, the property you rely on and your customer agreements.
Start my business enquiry →No obligation to buy. A licensed provider confirms terms and availability.
Start with your taxi, limousine operations
Vehicle use, goods in transit and custody of customer property need to be described together. A courier, mover and driving school have different operating details.
Related descriptions: Uber, Lyft, Instacart, Facedrive, UberEats. Explain which of these activities you actually perform.
A question to put to your broker
Are all passenger services included in the accepted use?
Prepare for your taxi, limousine quote
Your business records
Bring your legal business name, operating locations, revenue split, employee and subcontractor details, current policy and claims history. Identify changes planned during the coming year.
List vehicles, drivers, routes, radius of operation, cargo types, storage arrangements and customer contracts. Identify paid instruction or passenger transport.
Coverage questions to compare
Ask separately about commercial auto, cargo, loading and unloading, temporary storage and contractual liability. Confirm that each vehicle’s actual use is accepted.
Use the guides below to prepare questions, rather than assuming every section is required or included. A package name alone does not establish what is insured.
- Commercial auto insurance ontario →
- Cargo goods in transit insurance →
- Garage policy insurance spf 4 →
Keep proposals comparable
Use the same declared activities, locations and values. Compare limits, deductibles, exclusions, defence costs where relevant and the full policy term. Highlight contractual insurance requirements before you accept a proposal.
Discuss my coverage needs →Claims scenario: taxi, limousine
Hypothetical scenario
A vehicle incident occurs during a passenger trip.
Preserve the relevant agreement, photographs and incident records, and notify the insurer according to the policy instructions. Ask how the declared taxi, limousine activities, cause of loss and applicable exclusions affect the review.
Actual outcomes depend on the facts and wording. This example is not a promise that a claim will be paid.
Questions before you request taxi, limousine insurance
What can change the cost of my proposal?
The activity details, scale, locations, claims history and selected terms affect an individual review. For taxi, limousine, start with these details: licences, vehicle and driver schedules and platform arrangements. A published example is not your quote.
What if I add another service?
Tell the provider before relying on cover for the new activity. Describe how it changes the operation and ask whether an endorsement or separate policy is needed.
Are all passenger services included in the accepted use?
Send the exact activity description and relevant contract to the licensed professional. Ask for the applicable policy sections and exclusions to be explained, and obtain confirmation of accepted activities and effective dates.
Take the next step
Bring this checklist to your insurance conversation. Submitting an enquiry does not bind coverage.
Start my business enquiry → Explore transportation and delivery →General information. Browse all business activities.
