A new trend in transportation services has revolutionized the industry. Limited to taxi ride, bus fare or private rental, arriving from A to B without your personal vehicle is old news. Private services such as Uber and Lyft has provided easy transportation with the click of your mobile device. These services, however, have since been challenging to find in select markets because of an existing gap in insurance coverage. Personal auto policies cover your personal vehicle for personal use, and exclude coverage of “public or livery conveyance.” Commercial policies cover established companies providing network transportation. The gap: your personal insurance is excluded the moment that you turn on the app saying you are available to drive, the commercial policy does not go into effect until you are on your way to your passenger, leaving a coverage gap which makes Uber and Lyft services dangerous liabilities for their drivers.

Until now.

Safeco Insurance has announced a new rideshare plan to bridge this gap, providing coverage for these private transportation services throughout Minnesota.

Finally, Minnesota drivers and passengers can all ride in peace knowing they are protected. To learn further details on these policies, give your broker at Hanlon and Associates a call. We are happy to help discuss how your plan, new or old, will protect you.



Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.