You built the business. We'll carry the infrastructure.
You have the clients, the rates, and the reputation. HUM carries the commercial coverage, operating authority, and paperwork underneath them. Every client and every fare stays yours.
You pay more for insurance than you do for the car.
A commercial auto policy typically runs $800 to $1,200 a month and climbs every renewal. Then the permits, the filings, and the airport agreements, all on your time.
| On your own | With HUM | |
|---|---|---|
| Commercial coverage | $800–$1,200/mo, rising each renewal | Included on every trip through the app |
| Operating authority | Yours to obtain and maintain | HUM holds it |
| Permits, filings, airport credentials | City by city, from scratch | HUM holds them |
| Your clients, rates, and fares | Yours | Still yours |
| Monthly cost | $800–$1,200+ | From $79.95 |
The clients you've been turning down.
Schools, hotels, corporate accounts, and travel agents want proof of insurance before they'll refer anyone. Without it you grow quietly, on word of mouth, and turn away the business that would have compounded.
Covered on every trip through the app, you can market openly and say yes.
From word of mouth to open business.
“The business was already mine. The insurance was the only thing holding it back.” — a HUM driver in Ojai, CA
One subscription replaces all of it.
- Commercial coverage on every trip through the app
- HUM's operating authority — no entity of your own to maintain
- Permits and filings, city by city
- Airport credentials and agreements
- Booking, scheduling, payments, and client management
- Overflow handoff to drivers in your network
Straight answers.
Do I give up my clients or my rates?
No. Every client, every rate, and 100% of every fare stays yours. When you're booked or out of town, you hand the trip to a driver in your network. They're your clients either way.
Do I still need my own insurance?
Yes. HUM only requires you to carry a personal auto policy, the same as driving with any TNC. What you don't need is your own commercial auto policy — trips you run through the HUM app carry commercial coverage.
What about the commercial policy I already carry?
Most private drivers carry one because personal policies exclude livery use. Trips through the HUM app are commercially covered, at a fraction of what a standalone commercial policy runs. HUM only requires a personal auto policy — what to do with one you already hold is a question for your broker. You can see exactly what HUM carries on our insurance page.
Can I still work airports?
You operate under HUM's credentials and airport arrangements instead of negotiating your own, city by city.