Insurance Brokerage NYC specialized in car service, livery, black car and green cab insurance

Our Services


To operate a taxi or For Hire Vehicle in NYC you need TLC liability insurance. Our brokerage helps you to find the right TLC insurance NYC has to offer.

  • Best rates to insure EV (Electric Vehicles)

To run a black car service in New York you also need to get the best possible insurance to protect your drivers and your company. Find your black car insurance here.

  • Best rates Guaranteed to Insure Wheelchair Vehicles

We also show coverage for the famous New York Yellow taxi cabs which operate in the center of New York.


Livery vehicles such as limos must carry a minimum amount of third-party liability coverage to operate. Find your livery insurance through our brokerage.


A Street Hail Livery Vehicle (SHL) is often referred to as a Green Taxi, these cover the outer boroughs of New York, and must be insured to meet the TLC minimum liability coverage requirements. We broker this type of insurance.


Ambulette, paratransit, NEMT insurance is for vehicles transferring people who usually have disabilities and also need comprehensive insurance. Find options with Next Century Insurance.


As an insurance company NYC-wide, our brokerage also allows you to find suitable home insurance to cover your home in the event of a disaster or theft. You can protect your home and belongings with suitable insurance.

Looking for a new insurance quote? Simply text us and we will get back to you shortly. You can also text us all your documents.



The New York City Taxi & Limousine Commission (TLC) is the body that regulates and licenses taxis for New York. They regulate the industry for all taxicabs of all varieties in the city.

To drive with paid passengers, you need to have a driving license, and to link with a TLC-approved dispatch base in the city. You will then need to fill in an application form, proving you have a suitable vehicle and TLC insurance in NYC to be able to operate your taxi. Our TLC insurance brokers in Brooklyn can help you to find a suitable level of cover.

When your application is processed you receive something called a plate letter. This is a letter that confirms you can go to the DMV and get your plate and registration for your vehicle. The plate letter is valid for 20 days after it has been issued. When you visit the DMV location to get your TLC license, you need to take your TLC insurance proof. 

If you’re carrying passengers who are paying within the New York city limits then your drivers need a license, as well as insurance. TLC insurance brokers in NYC can help you to get the best cover and price.

How Much Does TLC Insurance Cost in NYC?

TLC insurance quotes vary depending on your personal situation, just like any other form of insurance. If you are over 25 with a clean driving history your insurance will be less, but it is likely you will pay between $3,000 and $5,000 to meet the minimum insurance requirements for TLC insurance in Brooklyn. New drivers or those who have a history of claims might pay up to $10,000 for their insurance. Your driving history plays a big part. Many insurance companies will allow you to pay monthly for your insurance if you cannot pay it all in one go. 

If you are looking to get a quote then make sure you work with brokers to get the best possible price for your insurance. Because we work with multiple insurers, Next Century Insurance can help you to find an option that is affordable and gives you the coverage you legally need.

Do I Need TLC Insurance?

The simple answer is yes; you need TLC car insurance if you are in the commercial private transportation industry in NYC. According to the New York City regulations, all owners of a TLC license in this city should have at least a minimal TLC insurance policy.

The term “minimum” refers to third-party protection. That insurance covers property damage, uninsured motorist coverage, and personal injury protection. The idea of TLC insurance NYC is to secure protection to other parties or properties you could harm while behind the wheel of your vehicle.

Basic TLC insurance doesn’t cover damage to your car. If you happen to be in an accident, you’ll need to pay for the repairs yourself. That can be expensive, and it could take a while to fix all damage. As a result, you’ll lose a lot of money for repairs, and even more, because you were off the road a long time.

That’s why extra collision insurance could be a wise move. You’ll pay more for the policy, but you are safe if anything goes wrong. The policy covers your vehicle, which means the insurance agency will pay for all damages. Additionally, you’ll have peace of mind, which helps to focus better on the job.

TLC Insurance Requirements

The New York City Taxi & Limousine Commission has minimum insurance levels required for different vehicles. If you want your TLC car insurance to be in line with the law requirements, you need to meet these levels.

It’s easy to get TLC insurance. Most providers require filling out an application and submitting a photographed or printed copy of your TLC license. The provider will verify the license, and you can proceed to choose a suitable policy. Once you are happy with the terms, sign the deal to confirm it. Your insurance will become valid on the day the provider has marked as a “start date” on your policy.

Here’s a short overview of TLC insurance NYC requirements by vehicle type.

For Hire Vehicles – Livery Vehicles and Black Card

If you own a livery vehicle or black car for up to seven passengers, these are the insurance levels to meet:

  • $100K per person.
  • $200K for personal injury protection (PIP).
  • $300K per occurrence CSL.

The required minimum insurance limits increase if your vehicle has a bigger seating capacity. The levels go up to $1.5 million per occurrence CSL in vehicles that can accommodate eight to 15 passengers and $5 million per occurrence if you have up to a 20-seat capacity. If the capacity is higher than seven passenger seats, there aren’t minimum insurance levels per person.

FHV Luxury Limousines

If you choose a luxury limousine with up to seven passengers, your TLC insurance requirement levels are as follows:

  • $500K per person.
  • $200K for personal injury protection (PIP).
  • $1 million per occurrence CSL.

The fee increases to $1.5 million per occurrence in limousines with eight to 15 passenger places and $5 million per occurrence in vehicles with up to 20 seats available.

How to Get Car Insurance in Brooklyn

It might be the first time you are getting a car insurance policy. Perhaps you had bad experiences in the past and want to do everything right. Fortunately, the process of getting Brooklyn car insurance is simple.

Step 1: Check Which Insurance Policy You Need

The regulations in New York City, which covers Brooklyn, require all drivers to have minimum liability insurance. Depending on your vehicle, that could include insurance for property damage, personal injury protection, uninsured motorist bodily injury liability, etc.

The law requirements vary on the vehicle you’ll drive. For example, basic Brooklyn car insurance has the lowest required coverage levels. However, those levels are higher if you need a TLC insurance policy.

After identifying which insurance the law requires you to take, check if you want more comprehensive coverage than that. For example, basic TLC policies don’t include extra collision insurance for your vehicle. You could benefit from that to prevent wasting money on expensive repairs if an accident happens.

Apart from additional insurance options, consider raising coverage sums. They could help protect you if severe accidents occur since the minimum sum might not cover all expenses.

Step 2: Gather Available Offers

You can contact insurance companies yourself, but that’s a big hassle. It’s better to get in touch with Next Century Insurance and let us do the footwork for you. We’ll make sure to identify the best offer and present it to you in the shortest possible timeframe.

Here are the things that could affect the insurance rates you’ll need to pay:

  • Your past driving record
  • Your age and gender
  • Car type, value, and age
  • Coverage type

Step 3: Prepare the Documentation and Sign the Deal

Your insurance agent will guide you through the process. The basic documentation you need to collect includes your driver’s license or license for other users that will be a part of the policy. You’ll also need vehicle information, ranging from make and model to age and safety features.

The agent will require you to complete a form and enter the necessary info. Read the entire document carefully to ensure you agree with the terms. Payments could be monthly, or you could pay at once for the entire duration of the deal. Once you agree with the terms, the only thing left is to sign your Brooklyn car insurance policy.

Check the start date on the policy info since that’s when it becomes valid. If your old policy is still active, you should cancel it.

About Us

We represent insurance companies offering a variety of different types of insurance. We broker this insurance between companies and customers, ensuring that the customer’s needs are met. We specialize in many types of insurance products including Livery, Limousine, Black Car, Car Service, Dealer Plates, Commercial Auto, SUV Insurance, Trucks

Why Get Insurance With Us?

Because we work with multiple insurers, we can shop for the best prices and pass those savings to you. We offer free, no-obligation quotes for home and transportation insurance. Our friendly employees are always happy to help and work closely with you to establish what insurance you need, and how you can get a comprehensive policy at an affordable price to allow you to go about your business with confidence and the legal protections that you need.

  • Best rates to insure EV (Electric Vehicles)
  • Best rates Guaranteed to Insure Wheelchair Vehicles