Your personal policy stops the moment the app turns on. Mind the gap.
Rideshare endorsements and gig-driver policies that close the Period 1 gap your personal auto policy silently excludes.
The coverage, decoded.
The moment you flip the app on, most personal auto policies stop covering you — and the platform’s contingent coverage doesn’t start until you accept a ride. That gap (drivers call it Period 1) is where deductibles balloon and claims get denied. A rideshare endorsement closes it for a few dollars a month; full commercial coverage does more for full-time drivers. We quote both across the carriers that actually write gig work, and we’ll tell you which platforms’ contingent policies are worth anything. Bring your trip history — we price against your real mileage, not a guess.
What this line includes
What the panel does for rideshare coverage.
01
We quote the endorsement AND the commercial upgrade — you pick with real numbers.
02
Advisors who know each platform’s contingent coverage cold.
03
Priced against your actual trip history, not a class average.
Outcomes on this line.
- $912/yr
Full-time Uber driver quoted $260/mo for commercial — covered properly for $76 less
A rideshare endorsement on the right carrier closed the Period 1 gap without a full commercial policy.
Savings figures shown are illustrative of individual client outcomes and averages across recent clients who switched; they are not a guarantee of your result. Your premium depends on your driving record, vehicle, location, coverage selections, and other rating factors.
The advisors on this line.
Grace Okoye
Senior Advisor · Gig & Commercial
Grace runs the rideshare and fleet desks — the risks most agencies quote wrong or won’t quote at all.
P&C — Ohio (resident) + 21 non-resident states
Asked at this desk, often.
Nothing. Like every independent agency, we’re paid a commission by the carrier you choose — it’s built into the premium whether you buy through a distributor, a captive agent, or the carrier’s own website. The rate is the same either way; the difference is that we shop fourteen carriers for it and a captive agent shops one.
Your carrier pays the claim; we make sure it’s paid right. File with the carrier (or call us and we’ll do it together), and our claims advocate — a former adjuster — reviews the valuation and the estimate before you accept anything. If the number is light, we push with comps and documentation. That advocacy is included, for every client, always.
Almost certainly not. Personal auto policies exclude driving for hire, and the platform’s contingent coverage is thin exactly when you need it — the “Period 1” window when your app is on but no trip is accepted. A rideshare endorsement closes that gap for a few dollars a month. Not disclosing gig driving is worse: it’s grounds for claim denial.