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.

Include the dispatch lifecycle, platform terms, contracts with fleets or drivers, and how incidents are reported. For California TNC operations, identify the stage boundaries in the CPUC guidance and verify current requirements.1,2

Ask which entity and driver are insured at each stage, what limits apply, and how the policy treats personal use, app-on waiting, matched trips, and delivery custody.3

Read the Transportation Services Insurance Buying Guide

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

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