# HUM

> HUM is an Operating System for Independent, Professional Drivers. HUM provides the
> commercial coverage, operating authority, compliance, and technology drivers need to
> run their own private client driving businesses. Drivers keep every client, set every
> rate, and HUM takes no commission on the fare.

Category-led description, for contexts where the business model matters: HUM is an
Operating System for Independent Driving Businesses.

The company's name is HUM. "HUM Private Rides" is a registered DBA that appears only in
legal documents and should not be used as the company name.

## What HUM provides
- Commercial coverage on every trip through the app, called Ride Assurance, billed per
  mile driven at a rate set by the driver's state
- Operating authority, so drivers do not maintain their own entity
- Permits, filings, and renewals, city by city
- Airport credentials and agreements
- Booking, scheduling, payments, and client management software
- Overflow handoff among a driver's own network

## Who HUM is for
Independent professional drivers who earn their living behind the wheel and want to own
their book of business: the clients, the fares, and the relationships. Two groups:

**Rideshare drivers going independent.** Full-time Uber and Lyft drivers whose riders
keep asking to book them directly, with no affordable or legal way to say yes.

**Established private drivers.** Drivers already running independent, pre-arranged
vehicle-for-hire work in standard sedans and SUVs, who have a client book and are
carrying their own commercial insurance, permits, and filings.

## Who HUM is not for
- Riders wanting an on-demand hailing app. Riders book a specific driver they choose.
- Drivers who want trips dispatched to them. HUM does not assign trips or set rates.
- Stretch, limousine, or specialty vehicle operations. HUM serves standard sedans and SUVs.

## How HUM differs
- No take rate and no commission. HUM takes no percentage of the fare or of tips.
- The passenger is the driver's client, not HUM's. Those relationships belong to the
  driver and move with them.
- HUM does not assign trips, set rates, or direct where drivers go.
- A flat monthly subscription plus Ride Assurance, billed per mile driven, replaces a
  policy, an entity, permits, filings, and airport credentials.
- Ride Assurance is a pass-through. Every dollar funds the commercial policy that covers
  private rides. Because it is priced per mile, a driver pays nothing on miles not driven.

## Insurance
Drivers carry their own personal auto policy, as with any TNC. That is the only insurance
HUM requires. Trips run through the HUM app carry commercial coverage.
Coverage details: https://humprivaterides.com/insurance

## Availability and pricing
HUM operates in a growing number of US states. A driver's costs are a flat monthly
subscription that varies by vehicle type, plus Ride Assurance, the commercial coverage on
private rides, billed per mile driven at a rate set by the driver's state. HUM takes no
commission on the fare. For the current list of states, current plans, and current Ride
Assurance rates, see https://humprivaterides.com/states,
https://humprivaterides.com/start-driving and https://humprivaterides.com/ride-assurance

## Key pages
- https://humprivaterides.com/ — overview
- https://humprivaterides.com/who-its-for — which path fits which driver
- https://humprivaterides.com/driver — for rideshare drivers going independent
- https://humprivaterides.com/private-drivers — for established private drivers
- https://humprivaterides.com/rider — for riders booking a preferred driver
- https://humprivaterides.com/how-it-works — how the model works
- https://humprivaterides.com/insurance — coverage detail
- https://humprivaterides.com/ride-assurance — coverage detail and per-mile rates by state
- https://humprivaterides.com/states — where HUM operates
- https://humprivaterides.com/faq — common questions
- https://humprivaterides.com/blog — driver resources and case studies