Commercial Sedan Insurance
Uber, Lift, Rideshare, Executive transport, Taxis, Salesperson's autos, and more
What is commercial sedan insurance?
If your sedan is used for business purposes—whether transporting clients, driving for hire, or supporting sales operations, you need more than a personal auto policy. Commercial sedan insurance protects vehicles used in business activities, offering higher liability limits, regulatory compliance, and specialized coverage options.
What types of sedans can be insured?
We sell insurance for nearly any sedan—regardless of year, make, or model. Whether you operate a single vehicle or manage a small fleet, we tailor coverage to your business use. It is important when you apply online or call in to list any vehicles you need to insure for an accurate quote.
At Milepost Insurance, we specialize in insurance coverage for sedans used for:
- Executive transport
- Taxis and black car services
- Sales and field operations
- Rideshare platforms like Uber Black and Lyft Lux
- Limousines and chauffeur services
What kinds of coverages are available for sedan insurance?
Choosing the right insurance coverage depends on your business type, location, and vehicle usage. Here’s a breakdown of common commercial auto coverages:
Auto Liability Insurance – Covers bodily injury and property damage to others if you're at fault in an accident. Required by law in most states.
Uninsured/Underinsured Motorist Coverage – Protects you if you're hit by a driver who has little or no insurance.
Comprehensive Coverage – Pays for damage to your vehicle from non-collision events like theft, vandalism, fire, or weather.
Collision Coverage – Covers damage to your vehicle from a collision, regardless of fault.
Personal Injury Protection (PIP) – Covers medical expenses and lost wages for you and your passengers, regardless of fault. Required in some states.
Coverage availability and requirements vary by state as well as the specific vehicles. For example, if there is a loan on the vehicle your lender will likely have required coverages to protect the vehicle in the event of loss.
How much does commercial sedan insurance cost?
Your premium depends on several factors:
- Driving history
- Type of business
- Operating area
- Vehicle usage
- Age and value of the sedan
- Vehicle type (sedan, coupe, minivan, etc.)
Premiums also reflect the policy limits, deductibles and coverages you select.
Does Milepost help handle insurance filings?
Taking care of federal and state insurance filing ensures your business meets the financial proof of responsibility requirements. These are set by both levels of government and need to be handled in a timely and accurate manner. Milepost makes it easy to take care of your insurance filings.
Available filings for commercial sedans include:
- Federal filings: BMC-91, BMC-91X
- MCS-90B endorsement
- State Form E filings
Learn more about filings or give us a call and one of our friendly Insurance Agents will be happy to assist you with your filings questions.
Are certificates of insurance required for my sedan?
Yes. Proof of coverage is required, so it’s important to have it before taking passengers or hitting the road. Milepost makes it simple - our online certificate portal is available 24/7, so you can download and share your insurance certificates instantly.
Frequently asked questions (FAQ) about commercial sedan insurance
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What’s the difference between personal auto insurance and commercial sedan insurance?
Commercial insurance covers business use, higher liability risks, and regulatory filings—personal insurance does not.
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Can I insure my Uber Black or Lyft Lux sedan?
Yes. We offer coverage for luxury rideshare vehicles that meet platform requirements.
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How do I know if my sedan qualifies for commercial coverage?
If it’s used for business—transporting clients, sales, or rideshare—it likely qualifies. Contact us to confirm.
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What’s the difference between taxi insurance and rideshare insurance?
Taxi insurance is for vehicles operating as traditional cabs, often with metered fares and city permits. Rideshare insurance is for drivers using platforms like Uber or Lyft. Coverage requirements and regulations differ.
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What documents do I need to get started?
Typically, you’ll need vehicle details, driver info, and business use description. Our Advisors can guide you.
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Is Milepost Insurance Agency LLC affiliated with any major carriers?
Yes. All commercial auto and truck insurance policies sold by Milepost Insurance are with insurance companies rated A++ Superior.
Get a quote today
Get started on a custom commercial auto quote online, or call 844-380-6009 to speak with one of our friendly Insurance Agents during office hours: Mon-Fri 8am-5pm CT