Florida Taxi Cab & For-Hire Vehicle Insurance

The taxi market in Florida has changed since ride-share arrived, but the work hasn't disappeared — cruise terminals, airport queues, hospital and dialysis transport, and the cash-business riders in dense urban neighborhoods all keep taxicab medallions in service. We place for-hire commercial coverage at the limits each jurisdiction demands (often $300K to $1M, more for airport queue access), with physical damage on each vehicle and general liability for the dispatch operation.

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Florida taxi operators work a market reshaped over the past decade by TNC competition (Uber, Lyft), but with steady demand around cruise terminals, airport queues, hospital and dialysis transport, and the cash-business segment in dense urban neighborhoods. Florida First Insurance of Broward places taxi commercial auto with for-hire markets, including the higher-CSL placements demanded by airport authorities and cruise-port permitting agreements.

Most jurisdictions in Florida require $300K-$1M CSL for taxi medallion or vehicle-for-hire authority, with airports often raising the floor to $1.5M or $2M for queue access. Vehicle physical damage is typically stated value, with deductibles set higher than personal-auto norms to keep premiums reasonable. Driver MVR review and continuous-coverage proof are mandatory at every renewal.

Taxi accounts bind for operators in Miami-Dade, Broward, and Palm Beach near the southeast airports and cruise ports; Collier and Lee around RSW; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco around TPA and Port Tampa Bay; Polk, Orange, and Seminole serving MCO; Brevard and Volusia near MLB, Port Canaveral, and DAB; Marion, Alachua, and Duval north toward Gainesville and Jacksonville; and Leon and Escambia in the Panhandle.

Taxi insurance is placed for vehicle-for-hire operators in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Taxi Cab & For-Hire Vehicle Insurance Cover?

For-Hire Auto Liability — Covers bodily injury and property damage to third parties while operating your taxi or for-hire vehicle.
Passenger Liability — Covers injuries to fare-paying passengers during pickups, rides, and drop-offs.
Physical Damage — Covers repair or replacement of your cabs and for-hire vehicles from collision, theft, and vandalism.
Uninsured Motorist — Protects you and your passengers if hit by a driver without adequate insurance.