For-Hire Vehicle

Vehicle Insurance Requirements

Please see the below chart for minimum insurance levels required for your vehicle based on the type of vehicle you own and the vehicle’s seating capacity (as per TLC rules, unless otherwise noted).

Vehicle Type

Seating Capacity

Minimum Insurance Levels

FHV

Livery Vehicle & Black Car

1-7 passengers

$100,000 per person
$300,000 per occurrence CSL
$200,000 PIP (Personal Injury Protection)

8-15 passengers

$1.5 Million per occurrence 
$200,000 PIP

16-20 passengers

$5 million occurrence
$200,000 PIP 

Luxury Limousine

1-7 passengers

$500,000 per person
$1 million per occurrence CSL
$200,000 PIP 

8-15 passengers

$1.5 million occurrence
$200,000 PIP

16-20 passengers

$5 million occurrence
$200,000 PIP

Note: A base’s umbrella policy can only be used to meet the TLC mandated liability insurance requirements for (1) vehicles directly owned by the base; or (2) vehicles affiliated with, but not owned by the base, and 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 covered Vehicle Identification Numbers (VINs). The vehicle policy must have insurance levels that meet agency insurance requirements, and the policy must cover any and all accidents incurred by the vehicle. The policy cannot contain exclusionary language that limits liability or coverage for the vehicle. The TLC may request a full copy of the base policy to confirm coverage, which may delay application processing.

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