The Driver Provider has maintained above-industry-standard insurance coverage since 1995. This is not a marketing claim — it is a deliberate operational choice that costs more and protects our clients better. When you travel with The Driver Provider, the vehicle carrying you is insured to a level that exceeds what state and federal regulations require for commercial passenger transport.
We maintain comprehensive commercial insurance coverage through nationally recognized carriers to ensure the highest level of protection for our clients.
| Primary Liability | RLI Insurance Company |
| Automobile Liability | Clear Spring Property and Casualty Company |
| Coverage | Limit |
|---|---|
| Each Occurrence | $5,000,000 |
| General Aggregate | $5,000,000 |
| Products & Completed Operations Aggregate | $5,000,000 |
| Medical Expense (per person) | $5,000 |
| Personal & Advertising Injury | $5,000,000 |
| Damage to Rented Premises | $100,000 |
| Coverage | Limit |
|---|---|
| Combined Single Limit (per accident) | $5,000,000 |
| Coverage applies to | Hired and non-owned autos |
| Coverage | Limit |
|---|---|
| Coverage Limit | $300,000 |
| Coverage | Limit |
|---|---|
| Workers’ Compensation | Statutory limits |
| Each Accident | $1,000,000 |
| Disease (Each Employee) | $1,000,000 |
| Disease (Policy Limit) | $1,000,000 |
Commercial passenger transport carries specific risks, and specific insurance requirements exist to protect passengers in the event of an incident. The regulatory minimum represents the floor, not the ceiling. Professional transportation companies that take their responsibility seriously carry coverage that goes significantly beyond this floor.
The Driver Provider occupies the category of providers who set their own standard above the regulatory minimum, because the clients we serve, the resorts we partner with, and the events we manage demand it.
Corporate clients, event planners, and meeting coordinators frequently require a Certificate of Insurance as part of their vendor approval process. Certificates of Insurance (COIs) are available on request. We are happy to provide customized certificates naming corporate clients as additional insureds, as required.
Large group bookings — conferences, corporate events, and multi-vehicle programs — may require additional insurance documentation or specific coverage confirmations. Our operations team is experienced in providing the documentation that corporate procurement and event management teams require, including event-specific additional insured endorsements.
Maintaining consistent insurance standards across our affiliate network is a critical component of our service model.
| Coverage Type | Minimum Requirement |
|---|---|
| Commercial Automobile Liability | $1,000,000 to $5,000,000 combined single limit per occurrence (aligned with market and client requirements) |
| Commercial General Liability | $1,000,000 per occurrence / $2,000,000 aggregate (higher limits preferred) |
| Workers’ Compensation | Statutory limits in accordance with state regulations |
| Umbrella / Excess Liability | Required where applicable to meet total minimum thresholds |
We actively verify and monitor insurance compliance for all affiliate partners prior to trip assignment:
For all Driver Provider bookings using affiliate vehicles:
This process ensures that every vehicle operating under our network meets the same high standards of safety, liability protection, and professionalism as our owned fleet.
Yes. Every vehicle in our fleet, owned and operated by The Driver Provider, carries above-industry-standard commercial insurance coverage.
Affiliate partners are required to carry insurance that meets or exceeds our minimum standards, and compliance is verified before any trip assignment. Certificates of Insurance are collected and reviewed at onboarding, with ongoing compliance tracking. Any affiliate with expired or insufficient coverage is immediately suspended from receiving trips.
Yes. COIs are available on request, and we can issue customized certificates naming corporate clients or event organizers as additional insureds. Contact our team with your requirements and we will arrange the documentation.
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