Who insures it · 5 named markets · read 2026-10-28

Who insures Taxis and rideshare fleets?

Taxis and rideshare fleets is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Taxis and rideshare fleets: Prime Insurance Company, Hereford Insurance Company, American Transit Insurance Company, American Business Insurance Services (ABIS), Burns & Wilcox. 2 admitted carriers, 1 E&S carrier, 1 MGA, 1 wholesaler.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Prime Insurance Company E&S carrier	Customized taxi insurance for taxis, taxi companies, taxi services and taxi drivers; rideshare appears only as a related blog topic. “In most states, we can cover taxis, taxi companies, taxi services, and taxi drivers.”	E&S in all 50 states; admitted commercial auto through Prime Property & Casualty Insurance Inc. in FL, IL, KS, KY, MA, NV, NJ, NM, SC; no commercial auto in NY	both	primeis.com · read 2026-10-28
Hereford Insurance Company Admitted carrier	For-hire transportation insurance in New York: TLC insurance for app-based drivers, black cars, car service, livery, yellow taxi medallions, green cabs and paratransit, plus workers' compensation. “HIC specializes in TLC insurance for drivers of all major App companies”	NY	not stated	herefordinsurance.com · read 2026-10-28
American Transit Insurance Company Admitted carrier	Comprehensive coverage for New York City taxi fleets, non-medallion licensed livery vehicles (radio-based community cars, green taxis) and the livery and commercial auto industry. “We are a leading writer of comprehensive insurance coverage for New York City's taxi fleets”	NY (New York City)	not stated	american-transit.com · read 2026-10-28
American Business Insurance Services (ABIS) MGA	Taxicab insurance for all types of taxi business, from owner-operators to fleets with hundreds of vehicles; separate TNC/rideshare provider product. “We have experience providing customized taxicab insurance solutions for all types of taxi business”	not stated (nationwide)	not stated	abiweb.com · read 2026-10-28
Burns & Wilcox Wholesaler	Transportation and Garage specialty lists Taxis and Ride Sharing / TNC among public transportation risks it places. “Ride Sharing / TNC”	not stated	not stated	burnsandwilcox.com · read 2026-10-28

American Transit's solvency has been publicly questioned by NY DFS (trade press 2024-2026); check before placing. Mobilitas Insurance returned a 307 redirect with no content twice and is not listed. Carolina Casualty's domain is for sale. Kinsale's commercial auto page lists a 'Limousines and Taxicabs' application but no class statement. CRC Group's transportation page also lists Taxicabs.

How Taxis and rideshare fleets gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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