Every trip completed in the HUM app is covered under HUM's commercial TNC policy — the same legal framework as Uber and Lyft. No separate commercial insurance policy required to drive on the platform.
HUM is a registered Transportation Network Company. When you start a trip in the HUM app — inputting your passenger's information and beginning the ride — HUM's commercial TNC policy activates. Coverage is in effect from the moment you're en route to your passenger through drop-off.
Every private ride starts in the app. That's what creates the record, activates the coverage, and makes the trip legitimate.
HUM's TNC policy is in effect from the moment you're en route to your passenger through the end of the ride.
Your passenger can pay however you've agreed — cash, card, Venmo. The coverage doesn't depend on how payment is collected. It depends on the trip being in the app.
HUM's TNC registration covers you while you're active on the platform. For full coverage details, limits by state, and a copy of the Certificate of Insurance, visit humprivaterides.com/ride-assurance.
Driving on HUM involves two layers of coverage — HUM's TNC policy, and your own personal auto insurance. Here's how they work together.
All drivers on HUM are required to maintain a valid personal auto insurance policy meeting the minimum requirements established by the state in which they operate.
Your personal policy applies any time you're operating your vehicle outside the HUM platform — personal use, errands, commuting, or any time you have not started a trip in the HUM app. It is your primary coverage during that time.
Questions about your specific personal policy and how it interacts with platform driving should be directed to your personal insurer. HUM cannot advise on your personal coverage.
HUM's policy includes contingent physical damage coverage during active trips. To qualify, drivers must maintain their own comprehensive and collision coverage on the vehicle at all other times.
If you carry a personal policy with comprehensive and collision, HUM's contingent coverage steps in during your HUM trips. Full details are in the Certificate of Insurance at humprivaterides.com/ride-assurance.
HUM's TNC policy covers drivers operating in the following active markets. Coverage details vary by state — full limits are in the COI.
Full TNC coverage active. Download the COI for state-specific limits.
Full TNC coverage active. Download the COI for state-specific limits.
Full TNC coverage active. Download the COI for state-specific limits.
HUM is active in Florida. For coverage details specific to Florida, contact [email protected].
Follow these steps in order. In any emergency, 9-1-1 comes first — always.
See full coverage details, limits by state, and download the Certificate of Insurance.