NAICS UNIVERSITY · Free research for insurance agents
Taxi and Ridesharing Services
NAICS 485310 · United States · 2022 edition
This industry comprises establishments primarily engaged in providing passenger transportation by automobile or van, not operated over regular routes and on regular schedules. Establishments of taxicab owner/operators, taxicab fleet operators, taxicab organizations, ridesharing services (including arrangement services), and ride hailing services (including arrangement services) are included in this industry.
Start the review with commercial auto liability.
For Taxi and Ridesharing Services, the saved research highlights commercial auto liability, passenger bodily injury, driver injury. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many vehicles are in the fleet, and are they company-owned, leased, or owner-operator-provided?
- Are drivers classified as employees or independent contractors, and how is that determination documented?
- What background check and MVR screening procedures are in place for drivers?
- Is the operation affiliated with or providing services through a TNC platform such as a ridesharing app?
- What are the applicable municipal or state for-hire limits, and do they exceed standard program capacity?
- For Taxi and Ridesharing Services, what should the underwriter know about prior assault, battery, or sexual misconduct claims involving drivers or passengers?
- For Taxi and Ridesharing Services, what should the underwriter know about high driver turnover or lack of documented driver screening and background check procedures?
- For Taxi and Ridesharing Services, what should the underwriter know about mixed fleet structures with unclear vehicle ownership and driver classification arrangements?
Activities described by this code
Other activities to examine
- Providing special needs transportation services (except to and from school or work) for the disabled or elderly: 485991 — Special Needs Transportation
- Providing limousine services: 485320 — Limousine Service
- Providing scheduled shuttle services between hotels, airports, or other destination points or operating car pools and vanpools: 485999 — All Other Transit and Ground Passenger Transportation
- Arranging car pools and vanpools: 488999 — All Other Support Activities for Transportation;
- Renting passenger cars without drivers, generally for short periods of time: 532111 — Passenger Car Rental
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Taxi and ridesharing businesses transport passengers by automobile or van on demand, typically dispatched by phone, app, or street hail. Operations range from single owner-operators to large fleets, and may involve company-owned vehicles, leased vehicles, or owner-operator arrangements. TNC arrangement services coordinate drivers and rides through digital platforms without necessarily owning vehicles.
Questions to investigate
- How many vehicles are in the fleet, and are they company-owned, leased, or owner-operator-provided?
- Are drivers classified as employees or independent contractors, and how is that determination documented?
- What background check and MVR screening procedures are in place for drivers?
- Is the operation affiliated with or providing services through a TNC platform such as a ridesharing app?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.