Taxi-Limo-Livery App Based Insurance

Taxi-Limo-Livery App Based Insurance

By In Commercial Auto On October 12, 2016

It’s no secret that many taxi, livery and limo companies have been negatively impacted by the ride sharing phenomenon. Now, you can be competitive again with our Taxi-Limo-Livery App Based Insurance.

Much of the financial disparity is caused by the insurance costs of the traditional taxi, livery and limo business model. Under the current business model, your company is paying the full rate for insurance – whether you have a fare onboard or not. And, we all know these insurance rates are outrageous.

You know you must make a change but you cannot find an A rated insurance company to offer you insurance based on the ride sharing model.


We have made arrangements with an A rated insurer to underwrite our  taxi-limo-livery app based insurance, which complies with regulations and limits in AZ, CA, NV & TX. This insurance, along with your app, offers the same type of insurance coverage afforded to your ride sharing competitors.

You pay minimum rates while not in service and regular rates only when you have a fare!! This should allow you to substantially reduce your current insurance costs.

Now, it’s up to you to make the decision to return your taxi, livery or limo business back to profitability. Every day you wait, a little more of your money drains away to those who will make the switch to a transportation network company (TNC).


An operation must qualify as a TNC (transportation network company) as defined by the state in order to follow the TNC financial responsibility guidelines. If the operation is registered / operating (as defined by the state) as a traditional taxi, livery, or limo, they must comply with those financial responsibility guidelines. In other words, each state defines the  limits each TNC must carry to qualify. We will let you know these limits during the application process – if you don’t already have these numbers.

We invite you to visit our website at and submit your contact information for your free Taxi-Limo-Livery App Based Insurance quote – or, call at one of the numbers listed below.

Thank you.

Tammy Gibbons, Senior Broker, Commercial Auto Specialist
480-773-8555 – Direct
sp Business Insurance Services
2370 W SR 89A, Ste 11-517
Sedona Arizona 86336
480-941-7979 – Main
Lic: AZ, NV, TX & CA (0I81259)


As an aside, our brokers answer their own phones and emails. At your initial contact with us, you are given your broker’s cell phone number and direct email address. Where, in most agencies, your broker hides behind a wall of telephone prompts and disinterested, underpaid receptionists.
At sp Business Insurance Services, all aspects of your account are handled by your broker. This arrangement places your broker’s interests in harmony with your interests because it places responsibility for your satisfaction squarely on your broker. This responsibility includes all followup service such as Certificates of Insurance and Additional Insures Certificated, adding and deleting drivers, overseeing claim resolutions in your favor and all other matters pertaining to your insurance. When was the last time you had a Certificate of Insurance or Addition Insured Certificate in your hands two hours after you requested it. Perhaps this is one of the reasons our client retention exceeds 99%.
The other reason for our remarkable client retention is that we shop the market for the lowest possible premium for your needs. We have no “loyalty” to any insurance company because we, as brokers, represent you – not any insurance company. If an insurance company has a bad year and wants to raise your premiums at renewal, we make a seamless transition to another insurer to keep your rates as low as possible. We require that each insurer in our stable maintain an ‘A’ or better, rating from AM Best.
Finally, we only write commercial insurance.

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