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Taxi insurance provides tailor-made coverages for taxi cab operators. Policies are usually able to help drivers protect their vehicles and their businesses.

Moreover, coverage is normally needed for everyone from owner-operators with one cab, to local or statewide companies with entire fleets.

  • Standard Commercial Auto Coverage
  • Hired and Non-Owned Auto Coverage
  • General Liability Coverage

What is taxi insurance? 

Taxi drivers everywhere face inherent risks, but those seem to escalate when going on Massachusetts wintery and busy roads. While taxi insurance won’t make actually driving on the roads easier, it can provide important financial assistance if there’s ever an accident.

Taxi insurance provides tailor-made coverages for taxi cab operators. Policies are usually able to help drivers protect their vehicles and their businesses.

Taxi Insurance Massachusetts

Who in Massachusetts needs to carry taxi cab insurance? 

Massachusetts state law generally requires that drivers, and certainly taxi drivers, have insurance. Taxi cab insurance tends to be the best way for cab drivers to get the coverages they need. These policies can meet and exceed state requirements.

Moreover, coverage is normally needed for everyone from owner-operators with one cab, to local or statewide companies with entire fleets.


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    Boston, MA

Can limousine operators use taxi cab insurance for their vehicles? 

Although limousine drivers share many coverage needs with cab drivers, limo operators often have some other needs that are slightly different. A taxi cab policy probably isn’t the best choice for a limousine. It might suffice in limited situations, however. The same is broadly true for most executive transport and black-car services. 

Any of these drivers can work with a knowledgeable insurance agent, in order to determine which type of commercial auto policy would be best for them.

Should rideshare drivers carry taxi cab insurance? 

Taxi cab insurance is primarily intended for professional cab drivers, which is distinct from rideshare drivers working through apps. The protections that a rideshare driver needs often differ enough to require a different policy.

Rideshare drivers will likely find that an insurance agent specializing in taxi cab policies can help them too. The same agents usually can assist with taxi and rideshare policies.

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What insurance coverages should cab drivers look for?

Cab drivers will find that taxi policies can come with a variety of important coverages. Some specific ones that most cabbies should look for are:

  • Standard Commercial Auto Coverage: Might protect owned cabs if there’s an accident or other covered incident.
  • Hired and Non-Owned Auto Coverage: Might protect vehicles operated by employees that the owner-operator or business doesn’t actually own.
  • General Liability Coverage: Might protect against commonplace, non-auto accidents resulting in third-party injury or property damage.
  • Inland Marine Coverage: Might protect belongings during transit, often covering items such as luggage and personal effects.
  • Business Interruption Coverage: Might protect against revenue losses arising from qualifying disasters that prevent driving for a prolonged period.
  • Commercial Property Coverage: Might protect a dispatch building or leased space against damage.
  • Commercial Umbrella Coverage: Might offer supplementary protection for liability claims exceeding another coverage’s limit.

Are vehicle accessibility modifications covered by taxi cab policies?

Taxi cab policies that cover vehicle accessibility modifications are readily available, although it’s important to make sure a policy provides the coverage that a particular vehicle’s modifications require. An insurance agent who knows taxi cab policies well can assist with checking coverage terms.

Taxi Insurance Massachusetts

How much does insurance for a taxi cab cost?

The premiums charged for insuring taxi cabs vary, as they’re based on numerous factors. A taxi driver’s accident and traffic violation history, a cab’s year, make and model, and the primary area served are just a few of the many details that impact cost.

An easy way to find out how much insuring a specific cab will be is to compare taxi policies with an independent insurance agent. An independent agent is able to check policy quotes from several different insurers.

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Where can Massachusetts cab drivers find taxi insurance? 

If you need insurance for one or more taxis that are used in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents will work closely with you to find a taxi insurance policy that’ll protect you when on the road.


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