Insurance requirement guides for Commercial Auto.
Spark needs only state-minimum auto insurance in your name, and outside California Walmart's terms give no auto liability while you deliver. Why uploads get rejected.
Relay carriers need $1M auto, $100K cargo, $1M/$2M general liability and 180 days of authority. Federal law asks for $750K and no cargo. US, Canada and UK compared.
Illinois and Kentucky require $2M per school bus; Montana's 1971 floor is $10,000 per person. Florida scales it at $5,000 a seat. 15 states verified at statute.
An eight-seat stretch SUV needs $500,000 in Colorado, $750,000 in California and $1.5M plus a $1.5M SUM layer in New York. Federal, state and city tiers compared.
Minnesota requires $1,000,000 and that the certificate state on its face that the policy covers escort work — so a correct limit on generic paperwork still fails.
Roadie requires only state-minimum personal auto liability and, unlike DoorDash or Grubhub, provides no supplemental company liability policy during gigs at all.
Shipt requires only state-minimum personal auto liability and provides no primary liability coverage of its own — a gap most Shoppers do not realize until a claim is denied.
New Jersey requires a $1.5 million combined single limit for New Jersey-based intrastate trucks of 26,001 lbs and over, and for autocabs — double the federal $750,000 floor. A $300,000 tier covers medium trucks.
Taxi insurance minimums are set locally and run $100,000 to $500,000+ — a separate, stricter framework than both personal auto and rideshare coverage.
Auto detailers face the same care-custody-control gap as mechanics — paint and upholstery damage during detailing isn't covered by standard general liability without a garagekeepers endorsement.
Standard general liability excludes a customer's vehicle under the care, custody, and control exclusion — mobile mechanics need garagekeepers coverage plus commercial auto, which most repair apps require before onboarding.
No state law requires junk removal insurance, but commercial clients and property managers require $1M GL as a condition of vendor authorization. Commercial auto is legally required on business trucks, and EPA Section 608 applies when hauling appliances containing refrigerants.
FMCSA requires financial responsibility from $300,000 for for-hire fleets of small vehicles to $5,000,000 for the riskiest hazmat loads — and a for-hire carrier cannot operate without an accepted BMC-91 filing.
Texas sets the requirement by the type of tow, not the truck — $500,000 for an incident management tow, $300,000 for a consent tow, which specifies no on-hook cover at all.
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 at least $750,000 auto liability under FMCSA rules ($300,000 for a fleet of only small vehicles), plus cargo security. 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 from ride acceptance through drop-off 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.
FMCSA requires $750,000 for for-hire general freight, $1 million for oil and most hazmat, and $5 million for the highest-risk loads and large buses. Learn how the MCS-90 endorsement and the BMC-91 filing work, who is exempt, and the penalties.
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 drivers must carry their own commercial insurance. Uber's rideshare insurance does not apply to commercially licensed drivers, and Uber never covers damage to their cars.
Interstate for-hire freight needs $750,000 federally. A truck that never leaves its state follows that state's rule instead: $50,000 in Florida, $500,000 in Texas, $1,500,000 in New Jersey.
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.
Car couriers must carry their own state-minimum insurance. Uber's delivery policy covers others up to $500,000, half its rideshare limit, and never pays for your car or your injuries.
Car Dashers must carry their own state-minimum insurance. DoorDash covers others up to $1M only from order accepted to drop-off in most states, $250,000 in Kentucky, and never your car.
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This collection features 28 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.
