Taxi Insurance in Pennsylvania
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Professional and Affordable Taxi Insurance in Pennsylvania
In Pennsylvania, taxi insurance is subject to specific requirements and regulations to help ensure the safety of passengers, drivers, and the general public. The Pennsylvania Public Utility Commission (PUC) mandates that all taxi businesses carry, at minimum, commercial auto insurance coverage. The specific requirements vary on factors such as the type of vehicle, the number of passengers the vehicle can accommodate, and the areas of operation. For example, a large shuttle bus that drives across the state of Pennsylvania will need more insurance coverage than a small taxi based in just one city.
Navigating the specific taxi and transportation insurance requirements in Pennsylvania can be daunting, but our specialized agents here at OTTIS are here to help! We are well-versed in local Pennsylvania requirements and can help you find reliable coverage for a fair price. We are experienced in all types of transportation insurance— so whether you operate a taxicab, limousine, livery service, shuttle bus, or non-emergency medical transportation service, you’ll enjoy peace of mind and confidence, knowing that you’re fully covered and compliant.
How Getting Pennsylvania Taxi Insurance Works
Common Questions about Pennsylvania Taxi Insurance
Are there different types of taxi insurance?
Yes, the three most common types of taxi insurance are third party insurance, third party fire and theft insurance and lastly, comprehensive insurance. Third party insurance is the most basic that covers the cost of compensating other people for injury or damage caused by your drivers, but not injury or damage to your drivers or vehicles. Third party, fire and theft insurance is a mid-range approach that covers everything listed in third party insurance plus damage to your taxi caused by fire or theft. The third type, which we highly recommend, is comprehensive insurance which covers all the above, plus protection for your drivers and vehicles.
What factors determine the price of taxi insurance?
The primary factors are: 1. The coverage you select; 2. The location of your business; 3. The specifics of your taxi cab(s), including the make, model, year and size of the vehicle, and the number of vehicles and drivers in your fleet; 4. Your business’ hours of operation and how many miles you drive each year; and 5. The driving record of your taxi driver(s).
Is auto insurance mandatory?
Yes, auto insurance is mandatory in every US state. However, insurance laws vary by state, so it’s best to visit your state government’s transportation website. Important note: taxi insurance is legally required as well if you drive a taxi for a living. Taxi insurance is extremely important in order to protect you, your car and your customers.
What is the difference between taxi insurance and regular car insurance?
The difference lies in what coverage is included in the policy. Auto insurance covers claims that result from an accident, but does not cover general claims relating to a company’s business practices. Taxi insurance covers the vehicle, the driver, and any passengers or bystanders should an accident occur. Taxi insurance can also cover vandalism, theft, fire, and damage from accidents that are the company driver’s fault.
Hear From Our Current Customers
“I have known the Oswald Insurance Agency since my teen years (well over 15 years!), and I cannot speak highly enough of David! He is helpful in the extreme, always goes the extra mile to find what is right for you, is caring and considerate, and just a joy to deal with! David is my most trusted advisor for not just insurance, but finances in general. If you’re looking for a trustworthy person/agency to deal with, look no further!”
– Rachel (Google Review)
“We have enjoyed a long time business relationship with Oswald Insurance. David has been such a value to our company over the years. David knows what he is doing. His whole staff is A+”
– Kristi (Google)
A Few of the Cities We Proudly Serve in Pennsylvania
- Philadelphia, PA
- Pittsburgh, PA
- Allentown, PA
- Erie, PA
- Reading City, PA
- Upper Darby, PA
- Scranton, PA
- Lower Merion, PA
- Bensalem, PA
- Abington, PA
- Lancaster City, PA
- Bethlehem City, PA
- Bristol Township, PA
- Millcreek Township, PA
- Lower Paxton, PA
- And many more!
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