Coronavirus (COVID-19) Survival Guide for the Transportation Industry

The Coronavirus (COVID-19) pandemic is something no business expected or planned for at the beginning of this year. As an agency that specializes in insuring transportation risks, we feel the pain you are going through right now. We see the drastic business interruption due to COVID-19. We want to remind you that we were your partners before the virus and are here to support you through this crisis.

Can I still work during the Coronavirus (COVID-19) Pandemic?

Transportation businesses have been named an “essential business” and are allowed to remain open for business.

Taxi services during COVID-19With nationwide restrictions and hesitation around travelling due to COVID-19, business is naturally impacted. Especially for those in the for-hire, livery industry who rely  on airport pick-ups and drop-offs. But that doesn’t mean it’s time to give up altogether.

When faced with adversity, it is the time to re-evaluate, reinvent and rediscover business opportunities you might not have pursued before.


Below is a short list of what you can do to generate revenue:

  • Contact regular clients and let them know you are available to take them grocery shopping, to doctor appointments or the pharmacy.
  • Advertise that you are avoiding close contact with other people, washing hands regularly and disinfecting the passenger seating in your vehicle after every trip.
  • Contact companies and offer courier or delivery services for groceries, medications, etc. (most livery policies allow this type of transportation already and no extra coverage is needed).
  • In many areas, public transportation is closed but people working in industries deemed an “essential” business are still going to work. Many employers are offering private transportation to their employees so that they can avoid mass transit. Contact these businesses, let them know you are able to help!


Can you lower my insurance payments during Coronavirus COVID-19?

No one knows how long our lives will be disrupted and you might feel like you need to cancel your policy. We highly suggest not cancelling your policy at this time unless you absolutely have to. Instead, we suggest the following:

  • If you have multiple vehicles, you may delete all but 1 unit to keep the policy active.
  • Some cities such as San Francisco are allowing taxis to lower the liability limit temporarily to assist in the decrease of revenue/ability to make insurance payments.
  • Some cities such as Seattle and San Diego are allowing operators to temporarily suspend their operating authority. You can email us proof of that, and we can decrease the liability limit down to the state minimum while you are out of work.
  • Preventing your policy from cancelling is beneficial because if you decide to start working again, a cancelled policy will delay your ability to start working again. We will need to re-quote, collect another down payment and in some cases  –  track down current loss runs again.
  • If you must cancel, most carriers are allowing pro-rata cancellations which means you will not be penalized for cancelling early.


How can I stay safe while working during the  COVID-19 outbreak?

With increased measures being taken nationwide to prevent the spread, many people may be turning toward a more private or isolated form of transportation (Taxi, Black Car, Uber or Lyft) as opposed to their usual train or bus ride.Infographic of how to stop the coronavirus spread

Below is a list of 5 things you can do to keep your vehicles clean and prevent the virus from spreading to your passengers or yourself:

  1. Wash your hands properly and often.
  2. Cover your mouth and/or nose with a tissue or into the crook of your elbow when you cough or sneeze.
  3. Clean and disinfect frequently touched surfaces/objects. These include but aren’t limited to: steering wheel, car handles, gear stick, hand brake, and trunk.
  4. Clean and disinfect the passenger seating area in between each trip.
  5. Avoid contact with people who aren’t well or have poor immune systems.

COVID-19 Resource Guide for Transportation Companies

American Business Insurance understands the challenges you are facing during the COVID-19 are ongoing and changing. As an active member of The Transportation Alliance, we have a broad data base of resources and advisers in the transportation industry.

One of those individuals is Matthew W. Daus, Esq, Partner and Chairman of Windels Marx Transportation Practice Group. They are a dedicated firm supporting ground transportation industries in NYC, but have provided a series of webinars with helpful information for those struggling during COVID-19,

To watch the most recent free webinar around the Transportation Industry and COVID-19, click HERE.

Below is a list of topics related to this guide:


  • Guidelines for Businesses related to COVID-19
  • Business Preparedness Resources
  • Environmental Cleaning and Disinfection Recommendations
  • Basic Infection Prevention Measures
  • Relief for Businesses
  • Information sharing with Industry Members


American Business Insurance – open during the crisis

Insurance businesses are deemed an “essential” business and as such, we have been allowed to remain open. Although most of us are working remotely, calls are being forwarded, emails responded to and vehicle changes/cancellations are being processed.

If you have any questions or need advice on how to adjust your policy during these uncertain times, please contact us during regular business hours, Monday – Friday 8 am to 5 pm pacific at 800-980-1950. You can also email us anytime!


Written by Laura Loftus who is an Executive Broker/Sales and Underwriting Manager with more than 10 years of experience insuring business in the For-Hire, Livery & Shared Economy industries. Looking for a quote on your business?  Call us Monday – Friday, 8 am to 5 pm pacific: 800-980-1950 or email us anytime!

Alex Haley