Taxi & Green Cab: TLC Insurance & Renewal Checklist (2025/26)

Complete guide to yellow and green taxi insurance requirements, updated for 2025/26 with 24/7 coverage rules and PIP reform impact.

✓ 2025/26 Updated✓ 24/7 Coverage✓ PIP Reform

Taxi Insurance Coverage Requirements

Yellow Taxi Requirements

  • Liability: $100,000/$300,000 minimum
  • PIP: $100,000 (reduced from $200k in 2025)
  • Property Damage: $50,000 minimum
  • Physical Damage: Required if financing
  • Coverage: 24/7 continuous (2026 rule)

Green Taxi (Boro Taxi)

  • Liability: $100,000/$300,000 minimum
  • PIP: $100,000 (reduced from $200k in 2025)
  • Property Damage: $50,000 minimum
  • Service Area: Outer boroughs + Manhattan above 96th St
  • Coverage: 24/7 continuous (2026 rule)

Official Requirements: Based onNYC TLC Vehicle Insurance Requirements PDF. Requirements updated for 2025/26 regulatory changes.

🚨 New 24/7 Coverage Rule (Effective January 1, 2026)

Starting January 1, 2026, all TLC vehicles must maintain continuous 24/7 insurance coverage with no gaps or lapses. This rule eliminates the previous practice of coverage gaps during non-operating hours.

What This Means

  • • No coverage gaps allowed
  • • Insurance must be active 24 hours daily
  • • Applies even when vehicle not in service
  • • Includes weekends and holidays

Compliance Steps

  • • Review current policy for gaps
  • • Coordinate renewal timing carefully
  • • Maintain proof of continuous coverage
  • • Update TLC Up immediately after changes

Taxi License Renewal Checklist

90 Days Before Expiration

30 Days Before Expiration

Insurance & TLC Inspection Requirements

TLC vehicle inspections and insurance requirements are closely tied. Understanding this connection helps you maintain compliance and avoid service interruptions.

Inspection Schedule

  • • New vehicles: Initial inspection required
  • • Vehicles 0-2 years: Annual inspection
  • • Vehicles 3-5 years: Semi-annual inspection
  • • Vehicles 6+ years: Quarterly inspection

Insurance Documentation at Inspection

  • • Current insurance declarations page
  • • Valid FH-1 certificate
  • • Proof of continuous coverage
  • • Any endorsements or amendments

Get Compliant Taxi Insurance Today

Stay compliant with 2025/26 requirements. Same-day certificates and renewal assistance available.