New York moves fast. Your livelihood does too. A&Y Royal Insurance keeps your rideshare hustle protected and TLC‑compliant, without drowning you in jargon or surprises. As a New York–based insurance broker, our team compares multiple carriers and explains every clause in plain English – so you stay on the road, earn with confidence, and pass TLC checks the first time.
Stay TLC compliant without risking your income
TLC requirements aren’t just a checkbox – they determine whether you can drive tomorrow. Choose TLC insurance, Uber insurance through a local broker that knows the Commission’s forms, deadlines, and proof standards. We align your liability, UM/UIM, and optional physical damage with what the TLC expects and what your earnings require. Certificates of Insurance must match state and NYC rules – no mismatches, no delays.
What coverage phases mean – and where gaps hide
Rideshare coverage shifts by app status. Missing a phase can cost you a claim:
- Period 1 (app on, waiting): Typical liability baselines run $50,000 per person/$100,000 per accident bodily injury, $25,000 property damage. Personal policies often exclude rideshare – this is the common gap.
- Period 2 (en route to pickup): State TNC rules raise limits and activate broader protections.
- Period 3 (passenger onboard): Highest limits apply; in NY, UM/UIM requirements for TNCs can reach $1.25M.
Collision/comprehensive during TNC periods may be contingent with a $2,500 deductible and requires your own physical damage coverage to respond. To avoid denials, document trip status, enable GPS/trip logs, and disclose app use in any claim.
Pricing clarity without hidden add‑ons
What you pay depends on state mandates, vehicle class, prior incidents, and whether you add endorsements to close Period 1 gaps. We walk line‑by‑line through premiums and fees before you commit. No buried add‑ons. Want to reduce out‑of‑pocket risk? Consider lower deductibles if you drive full‑time or during peak weekends. Prefer lean premiums? Keep higher deductibles and add endorsements only where your earnings justify them.
Fast start, clear paperwork, responsive support
A&Y Royal Insurance keeps the process light and quick – often within 24 hours after we receive complete details, subject to carrier rules:
- Share your vehicle, TLC status, and driving profile.
- We compare multiple insurers and flag Period 1 gaps.
- You pick the plan that fits your shift pattern and income goals.
- We issue proof, help with Certificates, and explain claim steps.
Response matters. Average replies land within one business day, with phone and online support when you’re between trips. Need forms or a walkthrough before a TLC visit? Count on clear instructions and ready‑to‑use templates.
Why drivers choose A&Y Royal Insurance: Expertise in NYC and TLC specifics is the difference between “almost compliant” and approved. Add carrier choice, and you get better fit at a fair price. Our clients value local know‑how on TLC requirements and ride periods, multi‑carrier comparisons tailored to earnings, straight talk on UM/UIM, deductibles, and contingent terms, plus help documenting claims to prevent underpayment or denials. Drive with clarity, not guesswork.
Coverage availability, limits, and timelines depend on your state, TLC status, insurer, and underwriting. While many policies can be issued in 24 hours after complete information is provided, timing is not guaranteed. Get a personalized timeline with your quote.