TLC Insurance New York
What is TLC?
TLC refers to the New York City Taxi and Limousine Commission, the agency responsible for regulating and overseeing the taxi and for-hire vehicle industries in the city. The TLC establishes standards for drivers, vehicles, and base stations while issuing licenses and permits, enforcing rules, and safeguarding public health and safety.
Whether you’re in Queens or any other borough of New York City, you need TLC insurance to legally operate a for-hire vehicle. TLC insurance NYC coverage is essential for compliance, ensuring both drivers and passengers are protected.
What Does TLC Insurance Cover?
TLC insurance is designed to provide financial protection for drivers, passengers, and third parties in case of accidents or other incidents while operating a vehicle for business purposes. The coverage typically includes liability protection and other essential benefits to meet TLC’s regulations.
How to Get TLC Insurance in NYC
Getting TLC insurance starts with finding the right provider. Mega Insurance Brokerage is one of the best TLC insurance brokers in New York City, offering expert guidance and support to help you secure the coverage you need. If you’re searching for “TLC insurance near me,” Mega Insurance Brokerage can provide personalized service tailored to your needs.
TLC Insurance Policy Requirements
The TLC policy is a mandatory insurance requirement for all commercial passenger transportation vehicles regulated by the New York City TLC. These policies are specifically designed for vehicles used by Uber, Lyft, yellow cabs, green cabs, and other for-hire vehicle services. Each policy must meet the commission’s strict standards, making it crucial to work with experienced TLC insurance companies or brokers like Mega Insurance Brokerage.
Finding TLC Insurance Companies
Whether you’re a new driver or need to renew your insurance policy, Mega Insurance Brokerage is here to help. As one of the best TLC insurance brokers in NYC, we ensure you’re fully covered and compliant with all TLC regulations. From liability to comprehensive options, we guide you through your policy selection with ease and professionalism.
Rideshare Insurance for Uber & Lyft Drivers in NYC
If you’re driving for Uber or Lyft in New York City, the right rideshare insurance is a must. As a TLC-licensed driver, you’re required to carry TLC-approved insurance to stay on the road legally and safely.
At Mega Insurance Brokerage, we specialize in Uber and Lyft insurance for NYC drivers. Our policies meet all requirements set by the NYC Taxi and Limousine Commission (TLC) and offer protection beyond the basic minimums.
Not all insurance plans offer full protection. That’s why it’s important to choose a policy that’s built specifically for TLC rideshare drivers—so you’re covered every time you hit the road.
Why Choose Uber/ Lyft Insurance?
- Compliance with TLC Requirements: Our insurance policies are fully compliant with TLC regulations, covering everything you need to legally operate Rideshare in New York City.
- Mandatory Liability Protection: Protect yourself with higher liability limits that go beyond, offering coverage for bodily injury, property damage, and personal injury protection (PIP).
- Commercial Auto Coverage: As an Uber/ Lyft driver, your vehicle is classified as commercial, and our tailored coverage reflects this, providing robust protection during all phases of you rideshare activities.
- Liability Coverage Policy for All Driving Phases: Whether you are waiting for a ride request, heading to pick up a passenger, or actively transporting someone, our policies cover you at every step.
Stay compliant and protected with our Uber/ Lyft insurance plan, designed specifically for TLC drivers like you. Get your free quote today and drive with confidence in New York City.
Why Choose Mega Insurance Brokerage?
At Mega Insurance Brokerage, we specialize in TLC rideshare insurance for Uber and Lyft drivers in NYC. Our experienced team understands the TLC rules and helps you choose the right coverage without the confusion. We offer a range of options designed to keep you protected and compliant on the road.
Coverage Options Tailored for You
Mega Insurance Brokerage offers a range of TLC rideshare insurance options to suit your needs, including:
Bodily Injury (BI) Liability Coverage
It covers medical expenses and legal fees if you cause injury to someone in an accident.
Property Damage (PD) Liability Coverage
Covers the cost of damage you cause to another person's property, such as their vehicle or structures.
Uninsured Motorist (UM) Coverage
Protect you if you're in an accident with a driver who has no insurance, covering medical expenses and related costs.
Mandatory Personal Injury Protection (PIP)
A no-fault coverage that pays for medical expenses, lost wages, and other costs regardless of who is at fault.
Additional Personal Injury Protection (APIP)
Extends your PIP coverage to offer extra financial protection for higher medical expenses and lost wages.
With Mega Insurance Brokerage, you get the right TLC Rideshare insurance coverage tailored to your driving needs. We help you meet all NYC Taxi and Limousine Commission (TLC) requirements so you can drive confidently and stay protected on the road. Don’t settle for less—choose a policy designed to give you reliable coverage and peace of mind.
TLC Yellow Cab Insurance
What Is TLC Yellow Cab in New York City?
Yellow Taxicabs are an iconic part of New York City, with over 13,000 licensed taxis and more than 50,000 drivers serving passengers across all five boroughs through street hails. To legally operate a Yellow Taxi, drivers and vehicle owners must meet the requirements set by the NYC Taxi and Limousine Commission (TLC).
Is Yellow cab Insurance Required?
Yes! All Yellow Taxis in NYC must carry TLC-compliant insurance. Medallion taxis are required to meet TLC’s minimum liability coverage limits:
– $100,000 per person
– $300,000 per accident
– $200,000 in personal injury protection
In addition, Yellow Taxi drivers operating under another permit owner must carry Workers’ Compensation coverage, as mandated by New York State law.
Our team at Mega Insurance Brokerage works with top insurance carriers to find the best Yellow Cab insurance policy for your needs. We make the process simple and fast, ensuring you meet TLC rules while staying protected on the road. Contact us today for expert advice and a quick quote.
How Do I Get TLC Yellow Cab Insurance?
At Mega Insurance Brokerage, we help TLC Yellow Cab drivers and owners get the right insurance coverage fast. Our experienced brokers work with top carriers to offer Best Yellow Cab insurance in New York and Workers’ Compensation plans that meet TLC rules. With our industry knowledge and no-hassle process, we make it easy to stay legal and protected on the road.
📧 Contact us today for a quick quote!
TLC Limousine Insurance
If you operate a limousine licensed by the NYC Taxi and Limousine Commission (TLC), having the right TLC limo insurance is required by law. This insurance protects you, your passengers, and your vehicle while driving for hire in New York City. Due to the unique size and use of limousines, TLC requires specific coverage to meet its strict safety and liability standards. At Mega Insurance Brokerage, we specialize in TLC limo insurance in NYC, helping limo owners and drivers find policies that comply with all TLC rules and keep your business protected on the busy streets of Manhattan and beyond.
TLC Livery Insurance
Livery drivers provide safe, professional rides for passengers across NYC. At Mega Insurance Brokerage, we offer TLC livery insurance designed to protect both drivers and vehicles—no matter the trip distance or destination. Our commercial auto insurance covers key areas like liability, bodily injury, and property damage, meeting all TLC insurance requirements. With fast claims and easy renewals, we help livery drivers, owner-operators, and small livery businesses stay covered and on the road.
Livery vehicles in NYC typically offer pre-arranged rides for up to six passengers, charging by flat rate, mileage, or time. Unlike black car services, livery drivers can accept cash or bank transfers, providing more flexibility. TLC mandates livery insurance with minimum coverage of $100,000 per person and $200,000 per accident—making the right insurance essential for safety and compliance.
TLC Green Cab Insurance
TLC Green cabs play a vital role in providing reliable transportation across New York City’s outer boroughs like Queens, the Bronx, Brooklyn, and Staten Island. At Mega Insurance Brokerage, we specialize in TLC green cab insurance that offers continuous coverage to keep your business running smoothly. Our policies include liability, collision, uninsured motorist protection, and eco-friendly incentives to support your commitment to green transportation.
We make sure your insurance meets TLC’s required coverage limits—$100K per person, $300K per accident, and $200K for Personal Injury Protection (PIP). With fast quotes, easy paperwork, and simple renewals, Mega Insurance Brokerage makes getting and maintaining your green cab insurance hassle-free.
TLC Black Car Insurance
Luxury deserves premium protection. Our TLC black car insurance covers both high-end vehicles and the professional service you provide. Whether you’re an independent driver or operate under a base, we offer complete coverage including liability, collision, and roadside assistance. At Mega Insurance Brokerage, we understand the unique demands of NYC’s black car industry. Our team connects you with policies that meet TLC rules and protect against unexpected risks. We work with top insurers to ensure you stay compliant and fully protected. Reach out today for a fast, custom quote.
TLC Tesla & EV Insurance
Operating a TLC-plated Tesla or other electric vehicle (EV) in New York City comes with unique responsibilities. Whether you own a Tesla Model 3, Model Y, or any other EV, having the right insurance coverage is essential to meet TLC regulations and protect your business from unexpected risks. With many drivers renewing or upgrading policies during this season, now is the ideal time to ensure you’re properly insured.
Comprehensive/ Collision Insurance Coverage Tailored for EV Drivers
Electric vehicles, especially those used for TLC services, need specialized coverage to keep you safe and compliant. Here’s what you need to know:
1. Liability Coverage
– Liability coverage is your mandatory coverage.
– DMV and TLC required coverage to operate a TLC vehicle in NYC. In other words, it covers the driver, passenger and (third party and property).
– Your Passengers are covered by this coverage.
– Your minimum Liability Coverage limits are outlined by Taxi Limousine Commission. You can have a higher limit of coverage but not lower than TLC required.
– Ensures you meet the TLC’s strict requirements, including coverage for bodily injury and property damage caused to others.
2. Comprehensive Coverage
– Covers non-collision damage like theft, vandalism, weather-related incidents, and animal damage.
– Essential for TLC Tesla drivers, as Teslas are often targets for theft or accidental damage.
– Tesla and other EV Vehicles are costly to Fix. Parts are very expensive and also some maintenance is only done by Tesla itself.
3. Collision Coverage
– Protects against damage caused by accidents with other vehicles or objects.
– Especially useful in New York’s busy traffic, where commercial vehicles operate 8-12 hours a day.
– Accidents are more done by unexpert drivers who are significantly new in the profession.
– Accident can be caused by a third party even if you’re a sober driver, protecting your vehicle is crucial.
How Mega Insurance Brokerage Can Help
Navigating insurance options for TLC EVs can be challenging, but that’s where we step in:
– Multiple Insurance Options: We partner with multiple carriers to find a policy that fits your business needs.
– EV-Specific Coverage: Our brokers understand the unique challenges and requirements of Tesla and other electric vehicles.
– Flexible Payment Plans by Carriers: Manage payments easily, with plans provided by insurance carriers that fit your budget and needs.
🌱 Stay Ahead with EVs – Drive NYC’s Future
Electric vehicles are rapidly becoming the future of TLC in NYC. Many drivers are switching to EVs for better fuel efficiency and lower environmental impact. Don’t let your insurance hold you back—stay insured and on the road confidently.
