Insurance requirement guides for commercial-auto.
FMCSA requires commercial motor carriers to file proof of financial responsibility ranging from $300,000 for light non-hazmat freight to $5,000,000 for bulk hazardous materials — and authority is suspended the moment the BMC-91 filing lapses.
Tow trucks require commercial auto liability ($300K–$750K under FMCSA), on-hook coverage for vehicles in transport, and garage keepers liability for impound operations. Motor club contracts often require $1M.
40+ states have TNC laws setting rideshare insurance minimums. New York City requires $1.5M liability — the highest in the US. Delivery drivers are largely not covered by these laws. Period 1 (app on, no passenger) remains the biggest coverage gap.
Interstate movers must carry $750,000 auto liability under FMCSA rules plus a $10,000 surety bond. State rules for intrastate movers vary — and cargo insurance is required separately from auto liability.
Personal auto insurance almost always excludes coverage when your car is rented on Turo. Learn how Turo's host protection plans work, what guests need, and when a commercial policy is required.
Grubhub provides $1M contingent liability during active deliveries but has no coverage between orders. Your personal auto policy likely excludes delivery driving — here's what Grubhub drivers actually need.
Lyft provides $1M liability during active rides but leaves a dangerous gap during Period 1 when the app is on with no passenger. Here's what every Lyft driver actually needs.
Owner-operators need $750,000-$1,000,000+ liability depending on cargo. Learn FMCSA requirements, how to get authority, costs, and coverage you actually need.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, how to file Form MCS-90, owner-operator coverage, and how to get authority.
Food trucks need commercial auto, general liability, and often product liability insurance. Learn what coverage is required for permits, events, and daily operations.
Uber Black requires commercial livery insurance with $1,000,000+ liability. Learn what coverage you need, costs by market, and how to get licensed.
Commercial trucks need $750,000-$5,000,000 liability depending on cargo. Learn FMCSA requirements, DOT filings, owner-operator coverage, and how to get authority.
Instacart requires Full-Service Shoppers to carry valid auto insurance. Instacart provides $1M liability during active batches — but your vehicle, your injuries, and gaps between orders are not covered.
Amazon Flex provides $1M liability during active delivery blocks but won't cover your vehicle. Learn when you're actually protected, when you're not, and the cheapest way to close the gap.
Uber Eats covers $1M liability during active deliveries but does NOT include collision coverage — unlike Uber rideshare. Learn exactly what's required, what gaps exist, and the $15-40/month fix.
DoorDash provides $1M liability during active deliveries — but won't cover your vehicle and leaves a dangerous gap when the app is on with no order. Here's what Dashers actually need.
Discover more content by exploring these related tags
This collection features 16 carefully researched guides for commercial-auto insurance requirements. Our content provides clear, accurate information about coverage minimums, compliance rules, and state-specific regulations. All guides are written in plain language with official sources cited.