TLC Insurance NYC

Vehicles licensed by the TLC are subject to minimum insurance coverage requirements that vary by class and seating capacity. Most classes of vehicles are subject to liability coverage of $100,000 per person, $300,000 per accident, $200,000 personal injury protection and $10,000 in property damage.

What is TLC?

The Taxi & Limousine Commission (TLC) is a New York City regulatory body that licenses and regulates various passenger transportation industries in NYC. The TLC issues several types of licenses, each has their own insurance requirements:

Black Car: pre-arranged passenger transportation, mostly non-cash, stricter vehicle standards

Livery: pre-arranged passenger transportation, any type of payment, any type of vehicle

Green Taxi: a subclass of Livery with special permit, street hail rights in outer boros and upper Manhattan

Yellow Taxi: exclusive street hail rights in NYC

Luxury Limo: flat rate pre-arranged transportation with stricter vehicle standards

Commuter Van: work within specific geographic areas

Paratransit: pre-arranged service for non-emergency medical transportation