Brookhurst Insurance provides workers compensation insurance to all types of businesses across the United States. We are located in Encino, California and are available to serve all of your business’s general liability needs.

If you are thinking of driving for Lyft or any other ride hailing company, then one of the first things you need to understand is how to get the right insurance cover to protect yourself, passengers, and vehicle in the event of an accident.

While ride hailing companies - Lyft and Uber - provide insurance cover, it is on condition that you are actively doing something for them, like driving to pick up a client or driving the client to their destination. If you are involved in a collision while the app is “on” but you’re neither driving to pick up a client or carrying one, the insurance won’t cover you.

This means that you need your personal insurance provider to make an adjustment in your current policy to account for the added risk of using your personal car for business. Alternatively, you need to get the more expensive commercial insurance cover to protect you in the event of an accident.

At Brookhurst, we realize that navigating the insurance arena can be troublesome for new entrants in the ride sharing business where your time is money. That is why we take away the hassle of finding the right insurance, and help you find just the right package for your needs and budget.

We Can Save You Money.

Insurance for Lyft Drivers

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Insurance Varies from State to State

In states where ridesharing coverage is available, it is referred to as a ride-hailing endorsement. It is tailored to augment your current personal insurance company, but not provide the full coverage of a commercial policy. The policy protects you before full coverage from Lyft or Uber kicks in, and can even provide lower deductibles or additional coverage beyond that offered by Lyft.

Rideshare insurance is not available in all states across the country, so you might need to settle for commercial insurance to work as a Lyft driver. The fact that auto insurance policies for Uber drivers vary from state to state means that you will have to do a lot of research to navigate the marketplace to find the right solution for you.

For instance, if you estimate that commercial insurance prices range from $2,500 to $4,500 per year, there is a high chance that you will end up paying several hundred dollars more for your package because the range is too big. You also need to consider the type of coverage you get and deductibles.

Getting an agent who specializes in transportation, taxi, and limousine services can save you the hassle, money, and time, and get you an even better deal that you would have found after days or weeks of homework.

Finding an Insurance Solution that Works for Your Needs and Budget

We recommend that you discuss your options with an insurance broker with experience in the transportation sector, and has helped to insure other Lyft drivers before. At Brookhurst, we have a vast network across the country. We will put our resources to task to help you find the right policy that satisfies your state’s insurance requirements and protects you, your passengers, and your vehicle unconditionally.