Every medallion vehicle regulated by the NYC Taxi and Limousine Commission must carry active, TLC-approved coverage. Yellow cab TLC insurance in New York isn’t optional — it’s the line between a working driver and a parked, unlicensed one.
What Yellow Cab TLC Insurance in New York Covers
- Bodily injury liability: $100,000 per person, $300,000 per accident
- Personal injury protection, recently reduced to $50,000 under Local Law 90
- Workers’ Compensation, required if you drive another owner’s vehicle
- Property damage and passenger injury claims from city-street risks
A Quick 2026 Update
TLC now requires continuous, 24/7 commercial coverage on every licensed vehicle and driver — no lapse windows allowed. Even a brief gap can trigger a TLC Summons Defense case fast.
Staying Compliant Isn’t Just “Having a Policy”
- Keep proof of insurance current and easily accessible
- Update TLC records immediately after any policy or provider change
- Compare coverage details, not just premiums, across insurers
- Track renewal dates to avoid accidental lapses
If Coverage Lapses
An expired policy can lead to fines, suspension, or even Seized Vehicle Recovery. Drivers facing judgments afterward often need Driver Recovery support to get back on the road.
Strong insurance habits are part of a bigger Compliance strategy. Learn more about us here.
What is the minimum liability coverage for yellow cabs?
$100,000 per person and $300,000 per accident.
Why is TLC insurance mandatory?
It protects passengers, pedestrians, and drivers city-wide.
What happens if my coverage lapses?
You risk fines, suspension, or vehicle seizure.
Who needs Workers' Compensation coverage?
Drivers operating another owner’s vehicle.
Long-Term Compliance Creates Competitive Advantages
Whether you manage a single TLC vehicle or an entire fleet, working with a knowledgeable TLC compliance consultant NYC can help protect your business, reduce costly mistakes, and keep your operations running smoothly in one of the most highly regulated transportation markets in the world.