For-Hire Vehicle

Vehicle Insurance Requirements

See the chart below for the minimum insurance levels your vehicle must possess based on the type of vehicle you own and the vehicle’s seating capacity (as per TLC rule unless otherwise noted).
Vehicle Seating Capacity Minimum Insurance Levels
FHV Livery Vehicle & Black Car 1-8 Passengers $100,000 per person
$300,000 per occurrence CSL
$200,000 PIP*
9-15 Passengers $1.5 Million per occurrence
$200,000 PIP*
16-20 Passengers $5 million occurrence
$200,000 PIP*
Luxury Limousine 1-8 Passengers $500,000 per person
$1 million per occurrence CSL
$200,000 PIP*
9-15 Passengers $1.5 million occurrence
$200,000 PIP*
16-20 Passengers $5 million occurrence
$200,000 PIP*
*Personal Injury Protection (PIP)
Note: A Base’s Umbrella Policy can be used to meet the TLC mandated liability insurance requirements only for (1) vehicles directly owned by the base, or (2) vehicles affiliated with (but not owned by) the Base but in such cases the Vehicle Owner MUST be listed as a named Insured on the Endorsement page. In all cases, the Declaration Page of the Base policy presented MUST include a schedule of Vehicle Identification Numbers (VINS) that are covered. The policy must have insurance levels for the vehicles that meets agency insurance requirements and the policy must cover any and all accidents incurred by the vehicle. There can be no exclusionary language in the policy that limits liability or coverage for the vehicle. The TLC may request a full copy of the Base policy to confirm coverage and this could delay the processing of your application.