Every trip you log in the HUM app is covered by HUM's commercial auto policy, from the moment you're en route to your passenger through drop-off. No commercial policy of your own to buy, and no rideshare endorsement to add.
Coverage flows automatically through HUM's app. There's nothing extra to buy, activate, or file. If the ride is in the app, it's covered.
HUM's commercial liability covers you while you're on a trip in the app. Your personal auto insurance continues to apply when you're off it.
Every HUM ride is booked ahead with a client you already know. There's no cruising and waiting on a dispatch. You log the ride, and you're covered from the moment you head to the pickup.
Schools, hotels, corporate accounts, and travel agents want proof of insurance before they'll refer anyone. HUM's certificate is current and downloadable, so you have an answer.
HUM's insurance operates on three defined periods. Your coverage level adjusts at each stage — lowest when you're waiting, highest when you have a passenger on board.
You're available in the HUM app but haven't accepted a trip yet.
You've accepted a request and are driving to the passenger's location.
The passenger has been picked up and you're traveling to the drop-off location.
Limits are per accident and vary by state and coverage period. All figures are sourced directly from HUM's active commercial auto insurance policy. Download the COI below for full policy details.
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| State | Period 1 | Period 2 | Period 3 |
|---|---|---|---|
| Covered Autos Liability — Bodily Injury & Property Damage | |||
| Alabama | $50K/$100K BI · $25K PD | $1,000,000 CSL | $1,000,000 CSL |
| Arizona | $25K/$50K BI · $20K PD | $250,000 CSL | $1,000,000 CSL |
| California | $300,000 CSL | $1,000,000 CSL | $1,000,000 CSL |
| Florida | $50K/$100K BI · $25K PD | $1,000,000 CSL | $1,000,000 CSL |
| Georgia | $25K/$50K BI · $20K PD | $1,000,000 CSL | See COI |
| Idaho | $50K/$100K BI · $25K PD | $1,000,000 CSL | $1,000,000 CSL |
| Ohio | $50K/$100K BI · $25K PD | $1,000,000 CSL | $1,000,000 CSL |
| Tennessee | $25K/$50K BI · $20K PD | $1,000,000 CSL | $1,000,000 CSL |
| Uninsured / Underinsured Motorists (Periods 2 & 3 only) | |||
| Alabama | — | Not included | |
| Arizona | — | $250,000 (P2 only) | $25K/$75K UM/UIM |
| California | — | $60K/$300K UM/UIM | $60K/$300K UM/UIM |
| Florida | — | Not included | |
| Georgia | — | See COI | |
| Idaho | — | $25K/$50K UM/UIM | $25K/$50K UM/UIM |
| Ohio | — | Not included | |
| Tennessee | — | Not included | |
| Physical Damage — Comprehensive & Collision (Periods 2 & 3 only) | |||
| All active states | — | Up to $25,000 or ACV, whichever is less · $5,000 deductible · Contingent on driver maintaining own physical damage coverage for Periods 0 & 1 | |
HUM's Certificate of Insurance for the current policy year. Download for full policy details including insurer, limits, and endorsements.
Coverage disclaimer: The information on this page is provided for general informational purposes only and describes coverage available to drivers while active on the HUM platform. HUM's commercial auto policy provides coverage during Periods 1, 2, and 3 as defined by the applicable insurance standard. This coverage applies while a driver is logged into the HUM app — it does not replace a driver's personal auto insurance, which continues to apply when the driver is off the platform. Contingent physical damage coverage during Periods 2 and 3 requires that drivers maintain their own comprehensive and collision coverage at all other times. Coverage details are subject to the full terms, conditions, and exclusions of HUM's active commercial auto insurance policy. Download the Certificate of Insurance above for complete policy details. For questions, contact HUM support at [email protected].