Insurance Requirements

Insurance Requirements

NY Black Car Insurance Requirements

The following are needed to get commercial auto / For Hire Vehicle insurance:

  1. Driver License
  2. Commercial License / Hack license
  3. Social Security #
  4. Proof of address
  5. Utility Bill ex. phone, electric
  6. Car title (copy)
  7. Base Letter
  8. Current Insurance Certificate/Card

For high limit coverage of 1m +

Insurance loss runs from last 4 years. This is your past insurance history record. To get them call or email your previous insurance company. When you speak to the insurance company ask them to provide your loss runs to you.

New York Livery / Taxi / Limo / Black Car Insurance Requirements


Number of Passengers
Base Station
PIPPer PersonPer Occurence
1-8$200,000$100,000$300,000
9-15N/AN/AN/A
16-20N/AN/AN/A

Number of Passengers
Black Car Base Station
PIPPer PersonPer Occurence
1-8$200,000$100,000$300,000
9-15$200,000N/A$1,500,000
16-20$200,000N/A$5,000,000

Number of Passengers
Lux Limo Base Station
PIPPer PersonPer Occurence
1-8$200,000$500,000$1,000,000
9-15$200,000$500,000$1,500,000
16-20200,0005,000,0005,000,000

All vehicles registered in New York and New Jersey require three types of mandatory insurance:

  • Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses
  • Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault
  • Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper insurance coverage