HUM is a registered Transportation Network Company. Every trip completed in the HUM app is covered under HUM's TNC registration — the same legal framework as Uber and Lyft. No separate commercial rideshare endorsement required to drive on the platform.
Coverage flows automatically through HUM's TNC license. There's nothing extra to buy, activate, or file. If the ride is in the app, it's covered.
HUM's TNC registration covers you while you're active on the platform. Your personal auto insurance continues to apply when you're off it.
The TNC insurance standard defines three coverage periods. HUM's policy covers all three, with limits that scale as the ride progresses.
TNC registration is the legally recognized structure for rideshare coverage in all active HUM states. This isn't a workaround — it's the standard.
TNC 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 | |||
| 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 |
| Idaho | $50K/$100K BI · $25K PD | $1,000,000 CSL | $1,000,000 CSL |
| Uninsured / Underinsured Motorists (Periods 2 & 3 only) | |||
| Arizona | — | $250,000 (P2 only) | $25K/$75K UM/UIM |
| California | — | $1,000,000 | $60K/$300K UM/UIM |
| Idaho | — | $25K/$50K UM/UIM | $25K/$50K UM/UIM |
| 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 TNC registration provides coverage during Periods 1, 2, and 3 as defined by the applicable TNC 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].