Every trip completed in the HUM app is covered under HUM's commercial auto policy. No separate commercial insurance policy required to drive on the platform.
When you start a trip in the HUM app — inputting your passenger's information and beginning the ride — commercial coverage activates. It 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.
Commercial coverage is in effect from the moment you're en route to your passenger through the end of the ride.
Collect your fare from your rider. The coverage doesn't depend on how payment is collected. It depends on the trip being in the app.
HUM's commercial auto policy covers you while you're on a trip in the app. 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 commercial auto 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 commercial auto policy covers drivers operating in the following active markets. Coverage details vary by state — full limits are in the COI.
Full coverage active. Download the COI for limits specific to Alabama.
Full coverage active. Download the COI for limits specific to Arizona.
Full coverage active. Download the COI for limits specific to California.
Full coverage active. Download the COI for limits specific to Florida.
Full coverage active. Download the COI for limits specific to Georgia.
Full coverage active. Download the COI for limits specific to Idaho.
Full coverage active. Download the COI for limits specific to Ohio.
Full coverage active. Download the COI for limits specific to Tennessee.
Follow these steps in order. In any emergency, 9-1-1 comes first — always.
Have questions beyond insurance? See the full HUM FAQ.
See full coverage details, limits by state, and download the Certificate of Insurance.