Commercial Insurance for Uber Black
Professional Protection for Luxury Rideshare Operators
Driving for Uber Black means offering a higher standard of service — and that requires professional protection. Your vehicle is your business, and every trip carries risk. At the Thumann Agency, we help Texas Uber Black and livery drivers secure commercial insurance for Uber Black that meets Uber’s standards, complies with state law, and protects your income and reputation on every trip.
Why Choose the Thumann Agency
Choosing the right insurance partner matters - especially when your vehicle is your livelihood. Here’s why professional drivers across Texas trust the Thumann Agency:
Trusted Risk Advisors
Our licensed agents specialize in Commercial Auto Insurance in Dallas, TX and throughout Texas, we understand the requirements for Uber Black coverage. We’ll help ensure your commercial insurance for Uber Black meets Uber’s standards and Texas regulations.
Local Expertise
Based in Dallas and serving clients statewide, we understand the risks Uber Black drivers face - from downtown traffic to hail and flood damage.
Trusted Carriers
We work directly with NICO MiddleWest, part of the National Indemnity Company group - an A++-rated insurer recognized for underwriting specialty commercial auto and livery coverage.
Dedicated Support
From paperwork to proof-of-insurance uploads, we handle every step to help you stay compliant and get approved by Uber quickly.
Reputation You Can Rely On
With nearly three decades of experience, the Thumann Agency has earned the trust of thousands of Texans for both personal and business insurance.
Why Uber Black Drivers Need Commercial Insurance
In Texas, any vehicle used to transport passengers for hire must carry commercial auto insurance — not a personal policy. This is required by both state law and Uber’s internal policies.
Uber Black Requirements
Uber classifies Black and SUV drivers as professional chauffeurs. You must maintain commercial insurance for Uber Black with high liability limits — typically $1 million or more — before Uber will activate your account.
Personal Policy Limitations
Standard auto insurance won’t cover accidents that occur while transporting passengers for pay. Relying on a personal policy can lead to denied claims or cancellation.
Legal and Compliance Protection
Texas law requires proof of commercial liability insurance for all for-hire drivers. The Texas Department of Motor Vehicles (TxDMV) enforces these rules for intrastate operations.
Closing the Coverage Gap
Uber’s own contingent policy only applies while you’re on a trip or en route to a passenger. Between rides or with the app off, you’re not covered. That’s where your Thumann Agency policy fills the gap.
What Uber Covers vs. What You Need
How to Get Commercial Insurance for Uber Black
Getting insured for Uber Black requires a specialized commercial policy. Here’s how the process works:
1️⃣ Contact a Specialist
Our team understands livery coverage and will walk you through what Uber expects.
2️⃣ Ask the Right Questions
Make sure your policy includes:
-
Livery or for-hire coverage
-
Liability limits of at least $1 million
-
Comprehensive and collision for your luxury vehicle
-
Certificates of Insurance listing Uber as an additional insured
3️⃣ Explore Carrier Options
We partner with NICO MiddleWest, one of the few markets offering Uber-qualified livery coverage in Texas. Their parent, National Indemnity Company, has over 75 years of commercial auto expertise.
4️⃣ Submit Proof of Coverage
Once approved, we’ll issue your Certificate of Insurance (COI) — required by Uber for activation.
What’s Covered by Commercial Insurance for Uber Black
A typical Texas Uber Black policy includes:
-
Auto Liability: Covers injury or property damage if you’re at fault.
-
Comprehensive & Collision: Protects your vehicle from accidents, theft, hail, or vandalism.
-
Uninsured/Underinsured Motorist: Covers you if another driver has inadequate insurance.
-
Medical Payments: Helps with medical bills for you and your passengers.
-
Rental Reimbursement or Downtime: Covers lost income or rental costs while your car is repaired.
For owners operating fleets, explore Business Insurance in Texas and Commercial Property Insurance in Texas to safeguard your broader operation.
Who Qualifies for Uber Black Commercial Insurance
To qualify for commercial insurance for Uber Black, drivers must:
-
Operate a luxury vehicle (usually 2018 or newer) with a black exterior and leather or vegan-leather interior
-
Hold a for-hire or livery license in their operating city (Dallas, Houston, Austin)
-
Maintain a valid commercial auto policy
-
Provide a Certificate of Insurance (COI) naming Uber as an additional insured
-
Pass Uber’s background check and vehicle inspection
Texas Coverage Standards
Texas commercial liability minimums are $30,000 / $60,000 / $25,000, but Uber Black requires much higher limits — generally $1 million liability plus physical-damage coverage. We’ll ensure your policy meets Uber’s requirements and exceeds Texas minimums.
Common Risks for Texas Uber Black Drivers
-
High accident exposure in metro areas
-
Severe weather (hail, flooding, tornadoes)
-
High repair costs for premium vehicles
-
Passenger injury or property-damage claims
-
Coverage gaps from standard rideshare policies
Pairing your policy with General Liability Insurance in Dallas, TX adds another layer of protection beyond the road.
Cost of Commercial Insurance for Uber Black
Most Uber Black drivers in Texas pay between $2,500 and $5,000 per year, depending on vehicle, city, and driving history. Because only a few insurers offer this coverage, working with an independent broker ensures you get compliant protection without overpaying.
Why Texas Drivers Choose the Thumann Agency
⭐⭐⭐⭐⭐ 4.7 out of 5 based on 105+ verified Google reviews
- I am so happy I found the Thumann agency because I don’t have to worry about shopping around for insurance on my own. They have always been the best at finding great options for me. Thank you! - Kaylee
- It's been a pleasure to work with Thumann Agency and I would highly recommend them for all your insurance needs - Rajeev
- An amazing insurance company that works above and beyond for their customers' needs. - Kimberly
- Same-day turn around for all of my commercial needs. Telling all my friends! - Urian
Learn More: Understanding Uber’s Insurance Coverage in Texas
Understanding Uber’s Insurance Coverage in Texas: What Drivers Should Know
(link coming soon)
This companion article explains Uber’s coverage phases, common gaps, and how to stay protected between trips.
Frequently Asked Questions About Uber Black Insurance
Do I need commercial insurance to drive for Uber Black in Texas?
Yes. Uber Black drivers are classified as professional livery operators and must carry commercial insurance for Uber Black with at least $1 million in liability coverage.
Can I use my personal auto insurance for Uber Black?
No. Personal policies exclude for-hire use. If you drive commercially without proper coverage, your insurer can deny claims or cancel your policy.
Does Uber provide full insurance coverage?
Uber’s coverage only applies during active trips or while en route to a passenger. You need your own commercial policy for downtime and off-app driving.
What’s included in commercial insurance for Uber Black?
Typically: commercial liability, comprehensive and collision, uninsured/underinsured motorist, medical payments, and rental or downtime coverage.
How much does it cost?
In Texas, most drivers pay $2,500–$5,000 per year, depending on their vehicle, coverage limits, and city.
Where can I get it?
Contact the Thumann Insurance Agency at (972) 991-9100. We partner with NICO MiddleWest to provide Uber Black-qualified coverage for Texas drivers.
Protect Your Luxury Rideshare Business Today
You’ve built a reputation for excellence — now protect it with the right coverage.
Our experts will help you secure commercial insurance for Uber Black that meets Uber’s standards, Texas law, and your peace of mind.
Request a Quote | Call (972) 991-9100
Last Updated: 10.13.25
Disclaimer: This information is provided for general educational purposes only and is not intended as legal advice or a complete description of coverage options. Terms, conditions, and availability vary by carrier and state. The Thumann Agency is licensed and operates in accordance with Texas Department of Insurance regulations.
