TLC insurance minimums and the FH-1
These are the lowest coverage amounts TLC requires for each vehicle type, and what TLC needs on file to prove you have them. Every number links to the TLC page it comes from.
Get a FREE Quote Now!Minimums by vehicle type
| Vehicle | Seats | Liability minimum | Property damage | PIP |
|---|---|---|---|---|
| For-hire vehicle (livery and black car) | 1–7 passengers | $100,000 per person / $300,000 per occurrence | $10,000 | $100,000 |
| For-hire vehicle (livery and black car) | 8–15 passengers | $1,500,000 per occurrence combined single limit | Not listed separately on the TLC chart | $100,000 |
| For-hire vehicle (livery and black car) | 16–20 passengers | $5,000,000 per occurrence combined single limit | Not listed separately on the TLC chart | $100,000 |
| Luxury limousine | 1–7 passengers | $500,000 per person / $1,000,000 per occurrence | Not listed separately on the TLC chart | $100,000 |
| Luxury limousine | 8–15 passengers | $1,500,000 per occurrence combined single limit | Not listed separately on the TLC chart | $100,000 |
| Luxury limousine | 16–20 passengers | $5,000,000 per occurrence combined single limit | Not listed separately on the TLC chart | $100,000 |
| Taxicab | Each licensed taxicab | $100,000 minimum / $300,000 maximum bodily injury | $10,000 | $100,000 |
Required personal injury protection (PIP) is $100,000 per person, reduced from $200,000, effective March 1, 2026 for taxis, for-hire vehicles, luxury limousines, and street hail liveries. The PIP figure applies on March 1, 2026. NYC TLC for-hire vehicle license page. NYC TLC insurance rule (taxicab liability) and PIP amendment. See also NYC TLC vehicle insurance.
These are minimums, not a recommendation. Your policy can carry higher limits.
What the FH-1 is and how to keep it current
The FH-1 is the insurance form TLC keeps on file for your vehicle.
Owners must keep a current FH-1 on file; update by emailing TLCinsurance@tlc.nyc.gov the FH-1 plus declarations page (not ACORD).
Source: NYC TLC: vehicle insurance · checked 2026-10-26
Lapse → directive → summons → possible suspension; view insurance on file in TLC UP Licensee Snapshot; TLC publishes daily active-insurance XLS.
Source: NYC TLC: vehicle insurance · checked 2026-10-26
Required: valid FH-1 (if on-file one expired), registration (out-of-state if applicable), MC300 NYS DOT inspection report where applicable (valid 1 year).
Source: NYC TLC: renew a for hire vehicle license · checked 2026-10-26
Flow: apply in LARS → upload FH-1, certificate of liability, base affirmation in TLC UP within 45 days → DMV plate letter → 'T&LC' plates at NYS DMV → plate notification → inspection → license active within 48 hours of passing.
Source: NYC TLC: get a for hire vehicle license · checked 2026-10-26
Step-by-step help with the form is on our FH-1 certificate guide. For coverage types beyond the minimums, see the TLC insurance guide. After the FH-1 is on file, the vehicle inspection checklist covers the rest of the vehicle steps.
Questions
What is the TLC minimum liability for a for-hire vehicle with 1 to 7 passengers?
$100,000 per person and $300,000 per occurrence for bodily injury, $10,000 property damage, and $100,000 personal injury protection (PIP) per person as of March 1, 2026.
What is the FH-1?
The FH-1 is the insurance form TLC keeps on file for a licensed vehicle. Owners must keep a current FH-1 on file with TLC.
How do I update my FH-1 with TLC?
Email TLCinsurance@tlc.nyc.gov the FH-1 together with the declarations page of your policy. TLC asks for the declarations page, not an ACORD form.
What happens if my TLC insurance lapses?
TLC sends a directive, then can issue a summons, and the license can be suspended. You can see the insurance TLC has on file in the Licensee Snapshot in TLC UP.
After a crash, see the TLC accident checklist. Wheelchair accessible vehicle owners can read the WAV guide.
More TLC resources
- TLC and OATH office locationsAddresses, hours, and what each TLC and OATH office handles, with map links.
- TLC summons guideHow a TLC summons works, and how to pay, settle, or fight it at OATH.
- Renewal deadline checkerEnter an expiration date to see TLC renewal dates and steps for a driver or vehicle license.
- TLC points calculatorEnter your TLC and DMV points to see where you stand under the Persistent Violator Program.
- Vehicle inspection checklistTLC inspection steps, the Woodside facility, reinspections, and new FHV steps.
- Vehicle retirement calculatorWhen a yellow taxi must retire under TLC rules, from its hack-up date.
- Accident checklistWhat a TLC driver or owner does after a crash: the owner report, NYPD and the DMV MV-104.
- TLC base directorySearch every licensed TLC base by name, base number, type or ZIP, from NYC Open Data.
- WAV guide for ownersTLC rules for wheelchair accessible vehicles: new licenses, dispatch, programs, fees and training.
Facts on this page come from official NYC and New York State pages, checked 2026-10-26. Agencies change pages without notice, so confirm with TLC or OATH before you act. TLC Insurance Quotes is not a government office, and this is not legal advice.
