What is the coverage area for the insurance?

The coverage area for your commercial auto insurance policy depends on the specific terms set by your provider. However, if you are driving for OMNI’s TCP-C scheduled premium transportation service, your insurance should cover the entire state of California to comply with CPUC (California Public Utilities Commission) regulations.

Key Coverage Area Considerations:

✅ Statewide Coverage (California)

• Your TCP-C commercial insurance policy should provide coverage for all trips within California where OMNI operates.
• If you plan to drive in multiple counties or cities, ensure your policy does not have regional limitations.

✅ City-Specific Coverage

• Some insurers may have restrictions based on city or county regulations.
• OMNI currently operates in San Francisco Bay Area and Sacramento with plans for statewide expansion, so your policy should allow you to accept trips anywhere in these areas.

✅ Out-of-State Trips (If Applicable)

• If you intend to drive across state lines (e.g., from California to Nevada), you may need an interstate policy endorsement.
• Check with your provider to confirm whether out-of-state coverage is available or required.

✅ Airport Pickups & Drop-offs

• If you provide transportation to and from major airports (e.g., SFO, LAX, SJC), confirm that your policy includes airport commercial coverage.
• Some insurers may require additional endorsements for airport operations.

⚠️ Why It’s Important to Verify Your Coverage Area

• Operating outside your insurance’s coverage area may leave you unprotected in case of an accident.
• Fines or legal issues could arise if you operate commercially in a restricted area.
• Some local jurisdictions require additional permits (e.g., airport permits, city-specific TCP regulations).

What Should You Do Next?

? Contact your insurance provider and ask:
✔️ Does my policy cover all of California?
✔️ Are there any city, county, or airport restrictions?
✔️ Do I need additional endorsements for certain areas?

If you need assistance finding an insurance provider that meets OMNI’s TCP-C requirements, contact OMNI support, and we can connect you with trusted commercial insurance partners.