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, whether you drive or not | Ride Assurance, billed per mile driven at your state's rate |
| Operating authority | Yours to obtain and maintain | HUM holds it |
| Permits, filings, airport credentials | City by city, from scratch | HUM holds them |
| Your clients and your rates | Yours | Still yours, with no commission taken |
| Monthly cost | $800–$1,200+, fixed | From $79.95, plus Ride Assurance per mile driven |
A standalone commercial policy is a fixed monthly premium whether you drive or not. Ride Assurance is priced per mile, so a slow month costs you less. Your coverage scales with your work instead of running ahead of it. See your state's rate.
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.
I enrolled in the app but can't log in — is something wrong?
Nothing's wrong — enrollment and activation are two separate steps. After you enroll, we send your subscription link by text and email, and once you subscribe, our team activates your account and confirms when you're live. If you've already purchased a subscription and still can't log in, reach out to support and we'll get you set up: contact us.
Do I give up my clients or my rates?
No. Every client and every rate stays yours, and HUM takes no commission on the fare. 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 rideshare app. 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 through Ride Assurance, billed per mile you drive rather than as a fixed monthly premium. 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.
Four steps, and your book runs under HUM.
Enrolling in the app and getting activated are two separate steps. Here's the whole sequence, start to finish.
Download & Enroll in the App
Download the HUM Driver app, verify your phone, and enter your vehicle and city. About 5 minutes — your clients, rates, and book stay exactly where they are: with you.
Subscribe
A flat monthly subscription plus Ride Assurance, billed per mile driven, replaces the commercial policy, the operating authority, the permits, and the filings. After you enroll, we'll text and email your personal subscription link. See Ride Assurance rates by state.
Get Activated
Once you subscribe, our team activates your account and confirms when you're live. Every HUM driver completes a standard background check and document review — the same diligence your corporate and referral clients expect.
Run Your Book Under HUM
Log your private trips in the app and every one is commercially covered under HUM's authority. Same clients, same rates, every fare still yours — without being your own compliance department.