Commercial insurance for your private rides

Fare Co-op is launching a pilot that puts commercial coverage behind the private rides you're already doing — so one serious accident can't put your finances or your family at risk, and you still collect 100% of the fare. Active now for driver-members in six licensed states.

New · Pilot Program

Private-Ride Commercial Insurance — collect 100% of your private-ride fares

Up to 100,000 miles of coverage, shared collectively across the program

$55/mo Full Members $65/mo Fractional Members 100% of every private-ride fare kept 100,000 mi shared pilot pool

The pilot covers up to 100,000 total miles collectively across all private rides in the program — a shared pool for participating drivers, not a per-driver allowance. At as few as five private rides a month the coverage can already pay for itself. Full terms, limits, and the underwriting carrier are set out in the policy documents provided at enrollment.

Choose Your Plan

Full Member

$55/ month

Commercial coverage on private rides through the pilot pool
Keep 100% of every private-ride fare
Setup instructions for your first private ride

Fractional Member

$65/ month

Commercial coverage on private rides through the pilot pool
Keep 100% of every private-ride fare
Setup instructions for your first private ride

How the Pilot Works

Enroll

Pick your plan and sign up through the members or non-members link above.

Get your instructions

Once you've signed up, we send step-by-step instructions for creating a private ride with your customer.

Drive covered

Run private rides under the pilot's commercial coverage and keep 100% of every fare.

Standard On-Trip Coverage

Commercial Auto Liability — underwritten by Y-Risk, part of The Hartford

$1,000,000 coverage on every accepted trip · active across all operating states

$1M every accepted trip — pickup through drop-off $50K / $100K / $25K while app-on, waiting for a request UM / UIM included

This is Fare Co-op's baseline coverage on rides accepted through the app. Per-trip coverage is a $1,000,000 combined single limit that applies from the moment you accept a ride through drop-off. App-on limits (bodily injury per person / per accident and property damage) apply while you're logged in and waiting for a request, and meet or exceed each state's TNC minimum — higher in some states. Uninsured & Underinsured Motorist protection is included. The private-ride pilot above is a separate program with its own terms.

Active TNC Licenses & Registrations

🐻 CaliforniaView License

🍑 GeorgiaView License

🌴 FloridaView Registration

🌲 OregonView License

🌵 ArizonaView License

🦞 MassachusettsView License

Protect Your Rides. Keep Your Fares.

Enroll in the private-ride commercial insurance pilot and drive with coverage built for the work you're already doing. Once you sign up, we'll show you how to create your first private ride.

Private Driver Insurance — Members Private Driver Insurance — Non-members

The private-ride program described here is a pilot for Fare Co-op members and is for general information only; it is not an offer or binding contract of insurance. Coverage is subject to the full terms, conditions, limits, and exclusions of the issued policy, which control in all cases. The pilot provides up to 100,000 miles of coverage collectively across all participating private rides — a shared program limit, not a per-driver amount, that may be exhausted. Pricing ($55/mo Full Members, $65/mo Fractional Members) is current as of the pilot launch and subject to change. Standard on-trip coverage (Y-Risk / The Hartford, $1,000,000 per accepted trip) is a separate program from the private-ride pilot. Eligibility and availability vary by state. Nothing here is legal, tax, or financial advice.