---
title: "What information should a mobility business send for an auto quote?"
description: "Prepare the operating entity, states, vehicle ownership, driver relationship, trip or delivery stages, and whether drivers are carrying people or goods."
canonical: "https://spot.insure/industries/transportation-services/what-information-to-send-for-auto-quote"
page-type: "industry-faq"
updated-at: "2026-09-28"
---

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# 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)

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. [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)

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. [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)

[Read the Transportation Services Insurance Buying Guide](https://spot.insure/industries/transportation-services)

## More Transportation Services Questions

- [Do California TNC insurance periods automatically apply to delivery apps?](https://spot.insure/industries/transportation-services/are-california-tnc-insurance-periods-for-delivery-apps)

## Coverage to Discuss

- [Commercial auto](https://spot.insure/coverage/commercial-auto)
- [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto)
- [Cargo and transit](https://spot.insure/coverage/cargo-transit)
- [General liability](https://spot.insure/coverage/general-liability)
- [Cyber liability](https://spot.insure/coverage/cyber)

## 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).

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