Trade insurance
Insurance for rideshare drivers.
Personal auto policies exclude commercial use, so drivers need a rideshare endorsement or gap policy to avoid denied claims and policy cancellation.
Updated 2026-05-16 · Beaconcover editorial§ 01
Why this matters
What can go wrong on the job.
- Personal-policy coverage gap. Personal auto excludes commercial/rideshare use
- Period-1 gap. App-on, no ride accepted — limited platform coverage
- Vehicle damage during rides. Platform coverage often has high deductibles
§ 02
Required vs recommended
What contracts require, and what's worth adding.
§ 04
Common gaps
Where this coverage trips people up.
Filing a rideshare claim on a personal-only policy can trigger non-renewal
Platform coverage gaps are widest in Period 1 (app on, waiting)
A rideshare endorsement is usually cheaper than a standalone commercial policy
§ 05
Before you bind
Questions to ask any carrier for rideshare drivers.
- Does the quote include the lines listed above as typically required?
- What does a certificate of insurance cost and how fast can the carrier issue one?
- How is workers' compensation rated for this trade — by payroll or by class code?
- Is there a separate deductible for tools and equipment in transit between sites?
- If a client requires an additional-insured endorsement, is there a fee?