A&Y
ROYAL INSURANCE

We focus on people whose daily life depends on wheels. Our agency writes policies for TLC and Uber drivers, yellow and green cabs, limo and black car owners, commercial and business auto fleets, trucking and delivery operators, and ambulette and paratransit services that move patients around New York City. Beyond the TLC world, we also help families protect their homes and personal cars with homeowners and personal auto insurance, so one agency can handle most of your coverage needs in one place.

Yes, they do. In New York City, Uber and Lyft vehicles fall under the TLC “for hire” category and must carry commercial vehicle insurance to pick up and drop off passengers legally. Regular personal auto policies are not enough once a vehicle is used for rideshare work. Our team understands TLC rules and the specific requirements for Uber, Lyft, and other app based services, and we work with all of the major carriers that write taxi, limo, and black car policies in the city. That means we can help you stay legal, keep your plates and license active, and still look for coverage and payment options that fit your budget.

More than fifty thousand drivers rely on us, which means our company has deep experience with TLC regulations, Uber and Lyft requirements, trucking and livery filings, and the daily stress of driving in New York City traffic. We offer flexible coverage choices and payment plans, so you can spread out the cost of your policy instead of paying everything at once. Our online support is available around the clock, so you can request help, ask questions, or send documents without waiting on hold. Because our agency represents many of the major markets for taxi, limo, and commercial auto insurance in the city, we can shop several carriers for you instead of pushing only one company. That mix of experience, technology, and personal attention helps you feel like you have a partner, not just a bill.

You can start online by clicking “Get a quote”, choosing the product you are interested in, and filling in your name and phone number so one of our specialists can call you back. If you already have coverage and need to make a payment, you can use the same site to submit it quickly without visiting the office. Drivers and business owners who prefer to speak to a person can call our main phone number during business hours and talk with a team member who understands TLC, Uber, personal auto, or homeowners coverage. We explain what information you need to prepare, answer questions about your current policy, and guide you toward the product that matches your situation and future plans.