Call Us 614-224-1329 ☰ ˟
614-224-1329
Logo
  • Home
  • Products
    • Real Estate Investment InsuranceImage of right arrow
      • Vacant Property Insurance in Westerville, OH and Columbus, OH
      • Landlord Insurance in Westerville, OH and Columbus, OH
      • Commercial and Residential Property Insurance in Westerville, OH and Columbus, OH
      • Multiple Dwelling Packaged Insurance Policy in Westerville, OH and Columbus, OH
    • Media InsuranceImage of right arrow
      • DICE/Annual Production Insurance in Westerville OH & Columbus OH
      • Short Term Productions in Westerville OH & Columbus OH
      • Photographers, Videographers, DJ's Insurance in Westerville OH & Columbus OH
      • Recording, Editing, Pre/Post Production Studio Insurance in Westerville OH & Columbus OH
      • Rental House Insurance in Westerville OH & Columbus OH
      • Equipment Floater Insurance in Westerville OH & Columbus OH
    • AutomobileImage of right arrow
      • Auto Liability Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Comprehensive Auto Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Auto Collision Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Uninsured/Underinsured Motorist Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Diminishing/Vanishing Deductible - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Accident Forgiveness - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Minor Violation Forgiveness - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Roadside Assistance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Specialty Auto Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • 24-Hour Customer Service - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Towing Services & Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Rental Reimbursement - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Personal Injury Protection (PIP) - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mexican Auto Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Medical Payments Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • HomeownersImage of right arrow
      • Flood Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Property Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • High Value Homeowners Insurance in Westerville, OH
      • Homeowners Liability - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Renters Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Condo Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Landlords Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mobile Home Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Scheduled Property Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • In-Home Business Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Personal LinesImage of right arrow
      • Personal Umbrella Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Pet Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • LifeImage of right arrow
      • Individual Life Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Group Life Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mortgage Protection Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Disability Income Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Long-Term Care Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Second-to-Die Policy - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Key Person (Key Men) Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Recreational VehicleImage of right arrow
      • Boat/Watercraft Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Motorcycle Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Motorhome Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • ATV Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Snowmobile Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Coverage for Specific IndustriesImage of right arrow
      • Builders Risk Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Condo Association Insurance
      • Specialty Trade Contractors Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Handyman Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Contractors Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Garage Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Accounting Firm Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Catering Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Cleaning Business Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Construction Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Consulting Firm Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Craft Brewery Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Food Truck Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Hotel Insurance in Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Law Firm Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Maintenance Contractors Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Manufacturing Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Liquor Liability Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Box Truck Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Marijuana Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Bar Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Non Profit Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Business & CommercialImage of right arrow
      • Surety & Fidelity Bonds - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Business Catastrophe Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Business Owners Policy (BOP) - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Auto Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial General Liability - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Property Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Real Estate Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Umbrella Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Crime Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Cyber Liability Insurance in Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Employment Practices Liability Insurance (EPLI) in Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Equipment Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Errors and Omissions Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Loss Control Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Inland Marine Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Marine Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mechanical Breakdown Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Office Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Product Liability Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Professional Liability Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Small Business Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Small Business Liability Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Storage Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Technology Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Trailer Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
  • Get a Quote
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Auto Insurance Quote
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Auto Accident Claim
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Property Loss Claim Form
      • Request Evidence of Insurance
    • RentersImage of right arrow
      • Renters Insurance Home
      • Renters Insurance Quote
      • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
      • Renters Property Loss Claim Form
    • Media Insurance
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • General Liability Quote Form
      • Request General Liability Certificate of Insurance
      • Commercial Auto Accident Claim
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Workers Compensation Quote
    • Real Estate InsuranceImage of right arrow
      • Real Estate Insurance Insurance Home
      • Real Estate Investment Insurance
    • LifeImage of right arrow
      • Life Insurance Quote
  • Customer Service
    • Auto Insurance Customer Service FormsImage of right arrow
      • Add Driver to Existing Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Request ID Card for Auto Policy
    • Business & Commercial Insurance Customer Service FormsImage of right arrow
      • Add Driver to Existing Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
      • Request ID Card for Commercial Auto Policy
      • Multiple Dwelling Packaged Policy Change Request
    • Homeowners Insurance Customer Service FormsImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Renters Insurance Customer Service FormsImage of right arrow
      • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • Location Map
    • Privacy Policy
    • Blog
  • Contact
    • Contact Us
    • Join our Newsletter
Home > Commercial-Products > Coverage-For-Specific-Industries > Uber Insurance - Westerville OH & Columbus OH LLC

Uber Insurance in Westerville OH, Columbus OH & Surrounding Areas

Do you drive an Uber? If so, it's time to start thinking about how well you're insured. Now, Uber itself has a ridesharing insurance policy, but it doesn't cover every risk you might be exposed to, and it could be changed at any time. Having your own policy means that you will always know what your coverage is and thus how to act accordingly.

In general, ridesharing insurance comes in two versions.

  • First, comprehensive coverage focuses on giving you all of the coverage you may need while providing rides to other people. This includes a comprehensive liability policy, bodily injury coverage, collision insurance, and related policy elements.
  • Supplemental coverage is different and focuses on filling in the gaps that a ridesharing service's insurance policy does not cover. For example, the ridesharing service may not cover a vehicle before that vehicle is matched to a rider—so if you're involved in a collision before you find someone to pick up, you'd need to use your own policy instead.

Both forms of coverage are viable options. If you're not sure which policy is best for you, talk to one of our agents about Uber insurance and discuss your options.

Uber Insurance Requirements

Most drivers who work with Uber or another ridesharing company can get this extra coverage. However, the way you interact with a ridesharing company may affect the type of coverage you're offered. When you speak with a T.A. Swain Insurance Group LLC agent, it’s helpful to have the following information on hand:

  • History of Ridesharing: How experienced are you with ridesharing, and have you had any trouble in the past? Experienced drivers with few or no incidents may be able to get a better rate.
  • Frequency of Work: How often do you provide ridesharing services? Is it something you do on the weekends for some extra cash, or are you offering rides as a full-time job?
  • Type of Vehicle: What type of vehicle do you use, and more importantly, what are its safety ratings? Vehicles with an outstanding safety rating—particularly in parts of the vehicle where passengers are seated—may be easier to insure.

Other Things to Know About Ridesharing Insurance

Ridesharing is still a relatively new industry, and it's almost certainly going to continue changing over the next few years. Insurance policies will be changing with it, and factors like which company you partner with, how safe the rides are judged to be, and even how much the industry earns may affect your policy and your premiums.

The most important principles at this time are laid out in a policy paper adopted by the National Association of Insurance Commissioners, and drivers are encouraged to read this and familiarize themselves with concepts like "periods" (when each form of insurance applies), potential insurance requirements, and how much coverage is needed when providing ridesharing services. T.A. Swain Insurance Group LLC agents are more than happy to meet with you to review and explain these principles.

For more information on ridesharing insurance, contact one of our agents.

 

1. "Ridesharing Insurance Policy." Uber Global. March 26, 2014. Accessed April 18, 2016. https://newsroom.uber.com/56463/.

2. "Sharing a Ride, But Not Insurance: Ridesharing Drivers May Face Insurance Coverage Gap." Consumer Alert. December 2015. Accessed April 18, 2016. http://www.naic.org/documents/consumer_alert_ridesharing_drivers.htm.

3. "Transportation Network Company Insurance Principles for Legislators and Regulators." National Association of Insurance Commissioners. March 31, 2015. Accessed April 18, 2016. Click Here to view the PDF. 

Get a Quote
Logo
Quick Links
Home Our Products Customer Service Payment Options Report a Claim
About Us Refer A Friend Our Carriers Blog Contact Us
Location
260 S State Street, Ste 906
Westerville, OH 43086
PO Box: 906

Phone: 614-224-1329
Fax: 614-224-1458
Social Social Social
© Copyright. All rights reserved.
Powered by Insurance Website Builder