First Chicago Insurance Company Introduces A New Auto Endorsement Tailored To Protect Transportation Network Company (TNC) Drivers

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Developed for TNCs drivers, UBER and Lyft, FCIC new auto endorsements offer complete auto insurance protection during all phases of the TNC ridesharing experience

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While TNCs are becoming an increasingly popular way to earn extra income, many drivers are unaware of the potential gaps in their insurance coverage and the potential risk they are subject too

First Chicago Insurance Company’s(FCIC) new endorsements, TNC Plus and Professional TNC, provide full or part-time TNC drivers complete protection when using their personal vehicles as a TNC. FCIC, based on agent request and growing consumer need, developed this unique coverage. FCIC is one of the first insurance companies to design a comprehensive product that protects TNCs drivers during all phases of the TNC electronic application’s use.

As ridesharing becomes more popular, state insurance regulators have grown increasingly concerned about the insurance implications. The main issue is a possible gap in insurance coverage between the driver’s personal automobile insurance policy and the commercial policy maintained by the TNC.

“TNCs, such as UBER and Lyft, provide an avenue for consumers to use their personal vehicles to transport passengers and earn extra income. While TNCs are becoming an increasingly popular way to earn extra income, many drivers are unaware of the potential gaps in their insurance coverage and the potential risk they are subject too,” shared, Mike Rosenstein, President, FCIC.

Rosenstein explained, “What most TNC drivers do not realize is that their personal auto insurance policy typically excludes coverage for business use or when vehicles are ‘available for hire.’ This exclusion means that a driver’s standard personal auto insurance policy would not cover them while a TNC application is turned on, even if they haven’t accepted a ride request and have no passengers in the vehicle.”

FCIC’S TNC Plus & Professional TNC endorsements are flexible and can be tailored to the insured’s individual needs. FCIC’s TNC Plus applies to individuals who work for a TNC 18 hours or less. FCIC’s Professional TNC level is geared for those individuals who drive for a TNC more than 18 hours a week.

The major TNCs, such as UBER and Lyft, typically provide primary/excess Liability insurance. Collision and comprehensive coverage may be available for TNC drivers who have elected to purchase this coverage on their personal auto insurance. For example, due to coverage gaps with insurance provided by TNCs, drivers could be left to pay for physical damage to their vehicle.

It is so important for all TNC drivers to talk to their insurance agent to ensure they are properly covered. Inquire about FCIC, the Maverick auto insurance program, and the endorsements created specifically for TNC drivers, TNC Plus & Professional TNC.

Rosenstein concluded, “FCIC has simplified the process of obtaining comprehensive auto insurance for TNC drivers. For the past 90 years, FCIC has been a pioneer in the auto insurance industry. We are able to utilize our wealth of industry experience to understand and analyzing consumer needs. And in turn, develop creative comprehensive insurance products to meet their specific needs. TNC Plus & Professional TNC are examples of how FCIC is a forward-thinking, customer focused insurance provider.”

For more information regarding FCIC’s TNC Plus & Professional TNC endorsements, please contact your independent insurance agent. Both endorsements are available through FCIC’s Illinois and Indiana Maverick Auto Insurance. Consumers can also visit the company website or call (888) 262-8864.

First Chicago Insurance Company and affiliates, First Chicago Insurance Services and United Security Health and Casualty Insurance Co. are members of J & P Holdings Inc. These companies, which trace their roots back to 1920, provide auto insurance, both personal & commercial auto, supplemental health, accident, cancer, disability and other niche insurance products. Company questions can be directed to Sandra Horn at (708) 475-6104, and consumers can call the company directly at 1-844-232-1200 or visit

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Linda Gardner
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