Transportation Network Company Insurance Coverage Checklist
The coverages a transportation network company business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for rideshare and passenger-transportation platforms. Priorities reflect typical exposure; confirm against markets and fleet.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| TNC Auto Program (Periods 1-3) | Covers drivers from app-on through drop-off, as state TNC laws require. | Core | |
| Excess / Umbrella | Adds limits above the auto program for severe crashes and large verdicts. | Prevalent | |
| Sexual Misconduct & Abuse Liability | Covers passenger-assault claims, which auto and GL policies often exclude. | Prevalent | |
| General Liability | Covers the company's own offices, events, and operations. | Core | |
| Cyber Liability | Covers rider and driver data and payment systems. | Prevalent | |
| Employment Practices / D&O | Covers management and employment claims — note driver misclassification and wage claims are often excluded. | Situational | |
| Workers' Compensation | Covers the company's own employees; drivers classified as contractors may need occupational accident coverage. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is passenger assault. In 2026, federal juries found a major rideshare platform liable in two sexual-assault trials — one treating the driver as the platform's apparent agent, the other applying a common carrier's heightened duty — while auto and general liability policies often exclude abuse and misconduct. Platforms should carry dedicated misconduct coverage and excess limits.
Send us the checklist and we'll review your transportation network company coverage line by line, then market it across multiple carriers that compete for your account.
Related: Transportation Network Company Insurance · Transportation Network Company Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a transportation network company business need?
The core coverages for a transportation network company business are TNC Auto Program (Periods 1-3), General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my transportation network company coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.