Professional driver reviewing insurance documents.
At Rydy, we believe driver independence begins with protection.
If you transport passengers — whether in a compact sedan or a luxury SUV — having an active commercial insurance policy is not just a requirement; it’s an investment in your safety and your business.
Commercial Auto Insurance is a specialized protection policy designed for vehicles used for business or professional purposes — such as ridesharing, deliveries, or private passenger transport.
Unlike personal car insurance, which only covers your vehicle for private and non-income activities, a commercial policy covers you while you’re earning money on the road. This includes carrying passengers, driving to pick-up locations, or operating under a company or rideshare platform like Rydy.
A proper commercial policy generally includes:
Higher liability limits to protect against claims from passengers or third parties.
Coverage for business use, allowing your vehicle to be legally insured during rideshare operations.
Protection for employees or partners if they drive under your LLC or company vehicle.
Optional coverage for downtime, vehicle replacement, or equipment like phones and GPS devices.
In most U.S. states, personal insurance becomes invalid the moment you use your vehicle for profit without commercial coverage — leaving the driver fully responsible for any accident, property damage, or injury. That’s why commercial auto insurance isn’t just a recommendation — it’s a legal and financial safeguard.
At Rydy, every driver is considered an independent business owner.
Your car is your company’s asset, and your insurance is your company’s shield.
By maintaining an active commercial policy, you ensure:
Legal compliance with state transportation laws.
Protection of your income, passengers, and reputation.
Peace of mind knowing you’re driving as a verified professional.
Whether you’re driving a Toyota Corolla for RydyX or a Cadillac Escalade for RydyBlack, commercial insurance is the foundation of your professional operation.
Commercial Auto Insurance goes far beyond basic liability protection.
It provides a comprehensive safety net for professional drivers who use their vehicles to generate income — ensuring that both the driver and the business remain protected under any circumstance.
Unlike personal insurance, which often excludes coverage the moment you start carrying paying passengers, commercial policies are designed specifically for rideshare and transportation professionals. These policies include a variety of coverages that work together to protect you, your passengers, and your vehicle from financial loss.
Here’s what a standard commercial policy typically covers:
Liability Coverage – Pays for injuries or property damage you cause to others while driving for business purposes.
Collision Coverage – Repairs or replaces your vehicle if it’s damaged in an accident, regardless of who’s at fault.
Comprehensive Coverage – Protects against theft, vandalism, fire, or natural events such as storms and floods.
Medical Payments (MedPay) – Covers medical expenses for you and your passengers after an accident, even if you were at fault.
Uninsured/Underinsured Motorist Coverage – Protects you if another driver causes an accident and doesn’t have enough (or any) insurance.
Business Interruption or Downtime Coverage (optional) – Compensates you for lost income if your car is in repair after a covered incident.
Rydy recommends maintaining at least $300,000 in coverage for RydyX drivers and $1,000,000 for RydyBlack or other for-hire vehicles to meet professional and state-level insurance standards.
Your policy isn’t just a legal requirement — it’s a core investment in your business stability.
Every mile you drive with proper protection reinforces your credibility, ensures passenger trust, and keeps your business running smoothly no matter what happens on the road.
At Rydy, we take a fundamentally different approach to driver protection.
While most rideshare companies offer limited group insurance that only partially covers drivers, Rydy believes in building a platform where each driver operates as a true business owner — with full control, responsibility, and independence over their operations.
We don’t provide collective insurance because it limits your freedom. Under traditional platforms, the company owns the policy, dictates its terms, and decides what’s covered and what’s not.
That model turns drivers into dependents instead of entrepreneurs.
By contrast, Rydy empowers every driver to:
Own their business through a registered LLC or DBA.
Choose the insurer and coverage that best fits their vehicle, route, and risk profile.
Build credit and deductible history under their company name.
Deduct insurance costs as a legitimate business expense during tax filing.
Operate legally without relying on platform-limited policies.
This strategy doesn’t just protect you — it elevates you.
Owning your own commercial insurance makes you a verified, independent operator recognized by both regulators and passengers. It turns every trip you make into an act of entrepreneurship, not employment.
At Rydy, we don’t manage your protection — we help you build it.
Your vehicle, your business, your coverage. That’s the Rydy way.
Having your own commercial auto insurance isn’t just about compliance — it’s about building financial independence and professional credibility as a driver-entrepreneur.
When you operate under your own LLC or DBA with a verified commercial policy, you gain control over your protection, your income, and your reputation. Unlike group or company insurance, which is designed to protect the platform first, your personal policy protects you and your business above all.
Here’s what having your own coverage truly means:
✅ Legal Empowerment: You’re fully compliant with state and federal laws, allowing you to operate with confidence under your business entity.
✅ Financial Control: You decide your coverage limits, deductible, and provider — keeping premiums predictable and deductible at tax time.
✅ Professional Trust: Passengers and partners see you as a certified, insured professional — not just a gig driver.
✅ Priority Access: Platforms like Rydy give visibility and preference to drivers with verified, active insurance.
✅ Long-Term Stability: Your insurance record builds your company’s credit profile, helping you qualify for better rates and commercial financing.
Owning your policy is like owning your brand — it shows accountability, professionalism, and pride in your work.
At Rydy, we believe that real freedom starts with personal responsibility.
By managing your own coverage, you safeguard your business, your passengers, and your future.
Getting commercial auto insurance may sound complex, but it’s actually straightforward when you approach it as a business owner — not just as a driver.
At Rydy, we’ve streamlined the process so every independent driver can secure affordable, compliant, and personalized coverage in just a few steps.
Here’s how to do it:
Establish Your Business Entity
Before applying for insurance, make sure you’ve registered your LLC or DBA. This allows the policy to be issued under your business name, not your personal one — which means better legal protection and potential tax deductions.
Gather Vehicle Information
Insurers will need your VIN number, make, model, and year of the vehicle. If you have multiple vehicles or plan to expand, you can add them later to your business policy.
Choose the Right Coverage Level
Rydy recommends minimum limits of $300,000 for RydyX drivers and $1,000,000 for RydyBlack or for-hire vehicles.
Higher coverage provides stronger protection and can qualify you for premium ride categories or corporate contracts.
Select a Trusted Provider
Some of the most reputable insurers for rideshare and livery coverage include:
Progressive Commercial
Next Insurance
GEICO Rideshare
Farmers Commercial Auto
State Farm Business Auto
These companies understand the unique risks of professional transportation and can tailor policies for your state and business type.
Request a Certificate of Insurance (COI)
Once approved, your insurer will issue a COI — this is your proof of coverage.
Upload it directly in the Rydy app to activate or maintain your driver account.
Review and Update Regularly
Your business grows, and so should your protection. Review your policy every 6–12 months to ensure your limits, vehicles, and coverage types reflect your current operations.
Remember: securing your commercial policy isn’t just paperwork — it’s part of building your professional foundation.
With the right insurer and the right coverage, you’re not just driving — you’re running a protected, recognized business.
At Rydy, we’re proud to support drivers who take their business seriously.
Your company. Your vehicle. Your policy. Your success.
Your commercial insurance policy isn’t just a requirement — it’s the legal foundation that keeps your business active and protected.
When that coverage lapses, even for a single day, you risk suspension, liability exposure, and potential loss of income.
At Rydy, we take insurance verification seriously because we know that one expired policy can jeopardize everything — your business license, your passengers’ safety, and your reputation as a professional.
Here’s what happens when your coverage expires:
Immediate Suspension of Driving Privileges
Once your policy’s expiration date passes, your Rydy driver account is automatically placed on hold. You won’t be able to accept or complete trips until a valid policy is re-uploaded and verified.
Notification and Grace Period
Rydy’s system will notify you well in advance — typically 30, 15, and 7 days before expiration — so you have time to renew or update your policy.
In some cases, if proof of renewal is pending, a short grace period may be granted, but driving without proof of insurance is never permitted.
Financial and Legal Risk
If you continue to operate without an active policy, you assume full financial responsibility for any damages or injuries caused during that period.
Your LLC could face fines, license suspension, or even personal liability — something no professional driver should risk.
Reactivation Made Simple
Once your renewed policy is uploaded and verified by Rydy, your account is immediately reactivated.
This ensures minimal downtime and keeps you compliant with both platform and state regulations.
Avoid Future Interruptions
Set reminders in your phone or calendar at least two weeks before your policy renews. Many insurers even offer automatic renewal options to ensure continuous coverage.
In short, your policy expiration date is as important as your driver’s license — it defines your legal right to operate.
By keeping your coverage up to date, you protect not just your car, but your income, passengers, and professional reputation.
At Rydy, we’re committed to helping every driver stay protected, compliant, and on the road — because your business should never stop moving forward.
Driving for Rydy isn’t just about completing trips — it’s about building a business, earning trust, and protecting your future.
Every time you get behind the wheel, you represent your brand, your company, and the Rydy standard of professionalism.
That’s why protection isn’t optional — it’s part of being a true professional.
A well-insured driver doesn’t just meet legal requirements; they operate with confidence, knowing that their passengers, vehicle, and business are fully covered under any circumstance.
When you maintain proper coverage and operate under your own LLC, you are not a gig worker — you are a business owner in motion.
You take control of your finances, your safety, and your image. That independence is what sets Rydy drivers apart from the rest.
Driving professionally also means:
Showing up with a clean, well-maintained vehicle.
Respecting every passenger as a customer, not a transaction.
Following traffic laws, safety guidelines, and Rydy’s quality standards.
Keeping your documents, insurance, and registration current.
At Rydy, we reward responsibility. Drivers who maintain valid insurance, excellent ratings, and compliance records gain access to:
Higher-paying trips and premium routes.
Exclusive promotions and partnership opportunities.
Priority support and faster account verification.
Ultimately, professionalism starts with protection.
Your insurance isn’t just paperwork — it’s your badge of credibility. It’s what allows you to drive with pride, earn with peace of mind, and grow your business confidently.
Drive with safety. Drive with integrity.
Drive protected. Drive Rydy.
Becoming a Rydy driver means more than joining a rideshare platform — it means launching your own transportation business backed by freedom, professionalism, and financial control.
We designed Rydy for drivers who want to do things differently:
no unfair commissions, no hidden fees, no dependence on corporate insurance.
Just you, your vehicle, your LLC, and your vision.
Here’s how to get started:
1️⃣ Create Your LLC or DBA
Register your business entity to operate legally and protect your personal assets.
Platforms like ZenBusiness or Incfile can help you form your LLC online in minutes.
2️⃣ Get Your Commercial Auto Insurance
Choose a trusted provider and secure coverage that meets or exceeds Rydy’s standards.
Your policy is your protection — make sure it’s active and up to date.
3️⃣ Upload Your Documents in the Rydy App
Log in, verify your information, and upload your Certificate of Insurance (COI), driver’s license, and registration.
Once approved, you’re ready to start earning.
4️⃣ Drive as Your Own Boss
Set your schedule, manage your business, and keep more of what you earn.
With Rydy, your success isn’t limited by the platform — it’s powered by your independence.
By joining Rydy, you’re not just driving — you’re building a brand, a business, and a reputation as a trusted transportation professional.
You decide how far you go, and we provide the platform that takes you there.
Your car is your company.
Your insurance is your shield.
Your business is your freedom.
Drive independent. Drive protected. Drive Rydy.