TLC Insurance Coverage
Complete Protection for TLC, Black Car & Limousine Drivers
Whether you’re driving a standard TLC vehicle (Uber, Lyft, Livery) or operating a luxury Black Car / Limousine, you need reliable insurance that meets TLC requirements, protects your passengers, and keeps you earning without interruptions.
At EZNY Brokerage Inc., we offer affordable and premium coverage options — from basic TLC insurance to $1 Million luxury chauffeur protection — tailored for every type of TLC driver.
Who We Insure
- TLC Black Car Drivers
- Luxury Limousine & Chauffeur Services
- Uber, Lyft & Rideshare Drivers (TLC Plate Required)
- TLC Livery / For-Hire Vehicles (FHV)
- Taxi & Yellow Cab Vehicles
- Airport, Corporate & VIP Transport
Coverage Options for TLC, Black Car & Limo Drivers
Auto Liability Insurance
Required by TLC — Up to $1 Million for Black Car & Limo Drivers This protects you if you cause injury or property damage while transporting passengers.
Covers:
- Injuries to pedestrians, passengers, or other drivers
- Damage to another vehicle or property
- Legal defense in case of lawsuits
Typical limits:
- TLC Standard (Uber/Lyft/Livery): $100,000 / $300,000
- Black Car / Limo: Up to $1,000,000 liability (often required for luxury corporate work)
This is the most important coverage for TLC compliance.
Physical Damage (Full Coverage)
Protects your own vehicle from damage — essential for both standard TLC vehicles and high-end luxury cars. Covers:
- Collision accidents
- Fire, theft, vandalism
- Weather-related damage
- Damage while parked
Great for:
- Cadillac Escalade, Navigator, Yukon
- BMW, Mercedes, Audi, Lexus
- Sedans, hybrids, and TLC rideshare cars
Deductibles from $1,000 – $5,000.
Personal Injury Protection (PIP)
Covers medical expenses for you and your passengers, regardless of who is at fault.
Includes:
- Hospital and medical bills
- Rehabilitation
- Lost wages
- Passenger medical coverage
Required under New York No-Fault laws.
Uninsured / Underinsured Motorist (UM / UIM)
If another driver has no insurance or too little, this protects you and your passengers.
Covers:
- Injuries from uninsured drivers
- Hit-and-run accidents
- Underinsured drivers
- Passenger injuries
This is critical for NYC city driving.
Comprehensive General Liability (For Black Car, Limo & Chauffeur Services)
Extra protection for professional luxury transport services.
Covers:
- Passenger incidents outside the vehicle
- Errors during passenger assistance
- Property damage during pickup/drop-off
- Corporate & VIP service liability
Often required by corporate accounts, events, weddings & VIP clients.
Hired & Non-Owned Auto Coverage (Optional)
For businesses or bases that:
- Rent vehicles
- Allow employees to drive personal cars for work
- Use subcontracted drivers
Protects business owners from liability even if the company doesn’t own the vehicle.
Contingent Liability for Bases / Fleets
If you operate a TLC base or dispatch platform, contingent liability protects your business from claims related to drivers operating under your base number.
Coverage Differences: Regular TLC vs. Black Car / Limo
Regular TLC (Uber / Lyft / Livery) Coverage Includes:
- $100K / $300K Auto Liability
- Full Coverage (Comp & Collision)
- PIP
- UM / UIM
- Affordable monthly premiums
- Designed for economy & standard sedans
Black Car / Limo / Executive Services Coverage Includes:
- Up to $1 Million Auto Liability
- Physical damage for high-end vehicles
- General Liability for chauffeur services
- Coverage suitable for corporate accounts & premium clients
- Higher-level passenger protection
Ideal for:
Escalade, Navigator, BMW 7 Series, Mercedes S-Class, Audi A8, Yukon Denali, Stretch Limos.
Why Drivers Choose EZNY Brokerage.
- Competitive rates for TLC drivers & luxury fleets
- Same-day quotes, binding & COIs
- Multiple carrier options for better pricing
- Specialist support for TLC, Black Car, and Chauffeur policy requirements
- Easy renewal reminders and compliance support
- NYC-based brokerage with real TLC experience