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.[3]
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
Sources and Further Reading
- Insurance Requirements for TNCs — California Public Utilities Commission. Current insurance requirements; periods 1–3
California CPUC summary of insurance periods for covered TNC activity.
- Transportation Network Companies — California Public Utilities Commission. Background, TNC definition
California CPUC definition of transportation network company activity.
- Commercial Insurance Guide — 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
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