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Auto Ridesharing Insurance in Lynnwood, WA, Everett, WA, and All of Washington State

Delivering Insurance Protection for Uber and Lyft Drivers in Washington

Ridesharing Insurance Seattle WAThe path toward adequate insurance protection can be winding, specifically for individuals transporting others on a for-hire basis. Whether operating on behalf of Uber, Lyft, or another ridesharing company, the livery services industry continues to not only grow in terms of users, but also associated risks. 

Drivers assume significant responsibility for the passengers they transport, At Mosaic Insurance Alliance, LLC, we understand this liability and seek to solidify personalized protection for clients throughout the state of Washington and Oregon. Together, we can review coverage options and ensure gaps in protection are addressed through a ridesharing insurance policy, sometimes referred to as Uber insurance or Lyft insurance.


Coverage Catered to Individuals Associated with a Transportation Network Company (TNC)

Personal auto insurance policies traditionally exclude vehicles used as “public or livery conveyance.” This encompasses taxis as well as ride hailing companies, such as Uber and Lyft, known as Transportation Network Companies (TNC). 

Drivers use TNC applications or networks to offer rides, locate paying riders, and accept payment. An auto ridesharing insurance policy can cover the gap between personal auto coverage and protection offered by a TNC. 

A gap in coverage exists during the period the application is turned on and searching for a passenger match. When the insured has their application off, they are covered under their personal auto policy. When the insured makes a passenger match and has a passenger in their vehicle, they are typically covered by their TNC. 

Our agents are knowledgeable of the regulations associated with the ridesharing industry, specifically the proper way to safeguard operations in the Northwest. We inform clients directly of updates pertinent to them, confirming coverage remains both accurate and affordable. 

For additional insight into the coverage options and endorsements accessible, please contact an agent at your convenience. 


Agents Remaining Up-To-Date on Developments in the Transportation Industry, Specifically Vehicles for Hire

The insurance industry is more welcoming of the innovation TNCs have established within the for-hire ground transportation marketplace than one may think. However, it’s critical to properly research the limitations of certain policies. As your trusted insurance advisor, we want to do this heavy lifting on your behalf, keeping you and your ridesharing venture open to profits, not financial loss. 

If you’re interested in getting started on an auto ridesharing policy, feel free to request a quote


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At Mosaic Insurance Alliance, LLC, we’re proud provide auto ridesharing insurance in Lynnwood, Everett, Snohomish, Seattle, Bellevue, and Bothell, WA. We’re licensed in Washington, Idaho, Oregon, and Arizona.