What type of insurance might I need in addition to my personal auto policy?

If you are driving for OMNI’s scheduled premium transportation service, your personal auto policy alone will NOT be sufficient. Since OMNI operates as a TCP-C (Charter-Party Carrier) service, you will need commercial insurance that meets California Public Utilities Commission (CPUC) regulations.

Required Insurance Coverage for OMNI Chauffeurs

To operate legally under OMNI’s new model, you will need the following additional insurance in place:

✅ Commercial Auto Liability Insurance

• Covers damages and injuries if you are found at fault in an accident while transporting passengers.
• Minimum coverage requirements depend on the vehicle type and seating capacity.
• Typically required limits: $750,000 to $1,500,000 in liability coverage.

✅ TCP-C Compliant Insurance (Livery Insurance)

• Unlike personal auto insurance, livery insurance covers professional transportation services (prearranged rides).
• Required for all TCP-C drivers in California.

✅ General Liability Insurance (Optional but Recommended)

• Provides additional protection beyond your vehicle insurance for business-related claims.
• Useful if you operate as an LLC or Sole Proprietor.

✅ Workers’ Compensation (If You Have a Fleet/Employees)

• Required if you own multiple vehicles and hire other drivers.

⚠️ Why Your Personal Auto Policy is NOT Enough

• Most personal policies EXCLUDE coverage for commercial use or paid passenger transport.
• If you are in an accident while driving passengers under OMNI without commercial coverage, your personal insurer may deny the claim.
• Operating without the correct insurance could result in fines, license suspension, or vehicle impoundment.

How to Get the Right Insurance

1️⃣ Contact a commercial auto insurance provider and ask for a TCP-C livery policy.
2️⃣ Verify that the policy meets CPUC’s liability coverage requirements.
3️⃣ Compare rates and coverage from multiple insurers to get the best deal.

Next Steps

If you are unsure about your current coverage or need recommendations for commercial insurance providers, OMNI can help connect you with trusted insurance partners. Contact our support for assistance.

Let me know if you'd like a list of recommended TCP insurance providers in California!