--- title: "Insurance Buying Guide for Transportation Services Businesses" description: "Quote preparation for passenger platforms, delivery companies, and mobility businesses changing vehicles, trip stages, and custody of goods." canonical: "https://spot.insure/industries/transportation-services" page-type: "industry-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/transportation-services) # Insurance Buying Guide for Transportation Services Businesses [Consumer](https://spot.insure/industries/consumer) Before launch in a new state or a change to how a trip is dispatched, map each driver, vehicle, trip stage, passenger or cargo, and operating entity. For California transportation network company activity, compare the current regulator requirements with the commercial quote; legal arrangements and policy wording are different checks. [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements), [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Insurance Should You Consider? Consider commercial auto, hired and non-owned auto, cargo and transit, general liability, and cyber liability. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [Commercial auto](https://spot.insure/coverage/commercial-auto) **When it matters:** Your business owns, leases, arranges, or relies on vehicles for passenger trips or deliveries. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **What to review:** Commercial auto terms depend on the vehicles, insured entities, drivers, and declared use. For a California TNC, CPUC describes different insurance periods; that regulator summary does not establish the terms of your commercial policy. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **Ask:** Which entity, driver, vehicle, platform status, and trip stage are covered, and how are app-on, matched, pickup, and off-duty periods handled? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) ### [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) **When it matters:** Drivers or employees use rented or personally owned vehicles for company work. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **What to review:** Ask whether hired or non-owned vehicle exposure fits the declared work and who is insured while driving. Do not treat a TNC arrangement as equivalent to delivery or ordinary business driving. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) **Ask:** Which vehicle ownership and work-use scenarios are declared, and what driver, trip, or jurisdiction exclusions apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) ### [Cargo and transit](https://spot.insure/coverage/cargo-transit) **When it matters:** The company takes custody of goods or promises delivery between parties. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Inland marine can address business property away from a fixed site or in transit, but shipment responsibility and the insured property must be checked in the actual form. Identify custody points, values, and delivery partners. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** When does custody begin and end, who owns the goods, and which routes, carriers, and handoffs are included? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [General liability](https://spot.insure/coverage/general-liability) **When it matters:** You operate pickup areas, depots, events, or other customer-facing locations. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Commercial general liability can address specified third-party injury and property damage from premises and operations. Describe locations and support activities; review any auto-related exclusions separately. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which locations and non-driving operations are included, and how do the forms separate premises and vehicle incidents? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Cyber liability](https://spot.insure/coverage/cyber) **When it matters:** You store driver or passenger location, identity, payment, or safety incident records. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Ask whether cyber insurance fits your data and dispatch dependencies. Review actual incident and vendor-outage triggers; transportation regulation is not evidence of cyber coverage. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Do the proposed terms address dispatch interruption, location-data incidents, payment vendors, and response costs? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## Before a State Launch or Trip-Flow Change Draw the timeline from app availability through matching, pickup, passenger onboard or package handoff, drop-off, and driver logout. Mark which entity controls each stage and which party supplies insurance. [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) CPUC’s period guidance applies to California TNC activity and differentiates stages. First establish whether the service meets that regulator’s TNC definition; do not apply the requirements automatically to couriers, taxis, or other states. [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo), [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) ## When You Add a Fleet or Take Custody of Goods List vehicle ownership, leases, driver relationships, operating states, delivery partners, and goods custody points. Give the broker your dispatch and delivery contracts before promising limits or insurance evidence. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) Separate vehicle coverage questions from goods-in-transit questions. For each handoff, record who owns and carries the goods, declared values, route, carrier, and any service-level promise. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Providers to Compare by Coverage These providers document the coverage listed below. Examples are alphabetical, not a ranking or confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### Commercial auto #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Commercial Auto Insurance](https://joinalliancerisk.com/commercial-auto-insurance/) · [Alliance Products](https://joinalliancerisk.com/coverages/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/) · [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/) #### [Chubb](https://spot.insure/insurance-providers/chubb) **Spot Score** Carrier & MGA Spot Score: 6.4 / 10 (40% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/chubb/reliability) **Review Score** 6.9 / 10 (5 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/chubb/reviews) [Commercial Auto Insurance](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html) · [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html) ### Hired and non-owned auto #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [General Liability](https://ameliarisk.com/insurance-policies/general-liability/) · [Insurance for CPG Companies](https://ameliarisk.com/specialties/cpg/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy) #### [Corgi](https://spot.insure/insurance-providers/corgi) **Spot Score** Broker Spot Score: 6.0 / 10 (75% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/corgi/reliability) Carrier & MGA Spot Score: 5.5 / 10 (40% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/corgi/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/corgi/reviews) [HNOA Insurance for Startups](https://www.corgi.insure/hired-non-owned-auto) · [CGL Insurance for Startups](https://www.corgi.insure/general-liability) ### Cargo and transit #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Inland & Ocean Marine Insurance](https://joinalliancerisk.com/inland-ocean-marine-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Stock Throughput](https://ameliarisk.com/insurance-policies/stock-throughput/) · [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/) #### [Chubb](https://spot.insure/insurance-providers/chubb) **Spot Score** Carrier & MGA Spot Score: 6.4 / 10 (40% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/chubb/reliability) **Review Score** 6.9 / 10 (5 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/chubb/reviews) [Worldwide Ocean Cargo Insurance](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html) ### General liability #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [General Liability Insurance](https://joinalliancerisk.com/general-liability-insurance/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [General Liability](https://ameliarisk.com/insurance-policies/general-liability/) · [Our Specialties](https://ameliarisk.com/specialties/) #### [Beazley](https://spot.insure/insurance-providers/beazley) **Spot Score** Broker Spot Score: 6.9 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) Carrier & MGA Spot Score: 5.5 / 10 (45% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/beazley/reliability) **Review Score** 5.6 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/beazley/reviews) [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy) ### Cyber liability #### [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) **Spot Score** Broker Spot Score: 5.8 / 10 (75% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/alliance-risk/reliability) **Review Score** Not enough ratings. [Review Sources and Method](https://spot.insure/insurance-providers/alliance-risk/reviews) [Cyber Liability Insurance: Costs, Limits & What You'll Pay](https://joinalliancerisk.com/cyber-liability-insurance/) · [Alliance Products](https://joinalliancerisk.com/coverages/) #### [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) **Spot Score** Broker Spot Score: 5.1 / 10 (15% of rubric assessed). Assessed 2026-09-22. [Assessment Scope](https://spot.insure/insurance-providers/amelia-risk/reliability) **Review Score** 2.0 / 10 (1 rated source). [Review Sources and Method](https://spot.insure/insurance-providers/amelia-risk/reviews) [Cyber Liability](https://ameliarisk.com/insurance-policies/cyber-liability/) · [Insurance For Startups](https://ameliarisk.com/specialties/startups/) #### [At-Bay](https://spot.insure/insurance-providers/at-bay) **Spot Score** Broker Spot Score: 5.2 / 10 (15% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) Carrier & MGA Spot Score: 7.1 / 10 (30% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://spot.insure/insurance-providers/at-bay/reliability) **Review Score** 9.5 / 10 (2 rated sources). [Review Sources and Method](https://spot.insure/insurance-providers/at-bay/reviews) [Cyber Insurance Coverage & Policy Highlights](https://www.at-bay.com/insurance/cyber/) · [Licenses](https://www.at-bay.com/licenses/) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Spot Scores Work](https://spot.insure/spot-rating). ## Common Questions ### Do California TNC insurance periods automatically apply to delivery apps? No conclusion follows from an app-based model alone. CPUC defines a TNC around arranging compensated passenger transportation using an app and a driver’s personal vehicle; delivery services are not automatically the same activity. [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo) [Read the full answer](https://spot.insure/industries/transportation-services/are-california-tnc-insurance-periods-for-delivery-apps) ### What information should a mobility business send for an auto quote? Prepare the operating entity, states, vehicle ownership, driver relationship, trip or delivery stages, and whether drivers are carrying people or goods. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) [Read the full answer](https://spot.insure/industries/transportation-services/what-information-to-send-for-auto-quote) ## Related Verticals - [Apparel and Cosmetics](https://spot.insure/industries/apparel-and-cosmetics): Quote preparation for apparel and beauty brands changing a product, formula, sales channel, or inventory footprint. - [Consumer Electronics](https://spot.insure/industries/consumer-electronics): Practical quote checks for device makers moving from prototypes to production, retail, cloud services, and battery shipments. - [Content](https://spot.insure/industries/content): Quote preparation for studios, publishers, creator platforms, and media businesses taking on new clients, content rights, and production equipment. - [Food and Beverage](https://spot.insure/industries/food-and-beverage): Practical insurance questions for food and drink brands expanding production, cold storage, wholesale, delivery, and customer service. - [Gaming](https://spot.insure/industries/gaming): Quote preparation for game studios and live-service platforms taking on publisher contracts, user content, online services, and events. - [Home and Personal](https://spot.insure/industries/home-and-personal): Practical quote checks for consumer brands selling household goods, connected devices, and products installed or delivered at home. - [Job and Career Services](https://spot.insure/industries/job-and-career-services): Quote preparation for recruiting, placement, staffing, and career platforms changing how they screen, refer, or employ workers. - [Social](https://spot.insure/industries/social): Practical quote checks for social products adding user content, child-directed features, creator campaigns, and moderation operations. - [Travel, Leisure and Tourism](https://spot.insure/industries/travel-leisure-and-tourism): Practical quote checks for trip organizers, tours, activities, and travel marketplaces handling deposits, venues, suppliers, and transportation. - [Virtual and Augmented Reality](https://spot.insure/industries/virtual-and-augmented-reality): Quote preparation for immersive hardware, sensor-driven apps, multiplayer content, and public VR/AR experiences. ## Sources and Further Reading - [Insurance Requirements for TNCs](https://www.cpuc.ca.gov/regulatory-services/licensing/transportation-licensing-and-analysis-branch/transportation-network-companies/tnc-insurance-requirements) — California Public Utilities Commission. Current insurance requirements; periods 1–3 California CPUC summary of insurance periods for covered TNC activity. - [Transportation Network Companies](https://www.cpuc.ca.gov/tncinfo) — California Public Utilities Commission. Background, TNC definition California CPUC definition of transportation network company activity. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/transportation-services.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)