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Why THREE > Transportation: Passenger Service


Transportation: Passenger Service

On the surface your job seems like it should be straightforward, get people from point A to point B. Of course, there’s a whole lot more to it than that. With logistical considerations, safety concerns, and staffing issues, there’s a lot to consider. With THREE you can focus more on running your business and less on the dangers and risks that seem to be around every corner.

THREE was created to help protect your business, even when it takes a detour. So, if you decide to expand your limousine service to offer luxury tours, start running an airport shuttle, launch a senior transport service or just about anything else you can think of, give us a quick call and we’ll just update your account.

No matter how great an idea or perfect a plan, so much remains out of your control. That’s why THREE was designed to provide the kind of comprehensive coverage necessary to protect your operations, your people and your property, so you can keep your business going and growing.

Your Operations

You know all the best short cuts, you only hire drivers with clean records and you know that a simple complimentary bottle of water can go a long way to satisfy your passengers. You dot your i’s and cross your t’s, but still, unexpected obstacles can require you to shift gears and reroute your plans.

About 60% of the limousine industry is composed of small businesses with fleets of 5 or fewer vehicles.

Your Operations, misstep scenario


I run an airport shuttle service. Last summer my driver stopped for a pick up and while he was loading the passenger’s bag she went to get on the bus. She fell at some weird angle and broke her foot. She was looking at her phone instead of where she was going, yet she’s still demanding I contribute to her medical expenses.

Your Operations, stranded scenario


Thanksgiving weekend— that’s when we put the chains on our buses. Last year, just before the holiday we got that crazy storm. Ice, sleet, snow. No one was prepared. One of my drivers got stuck with a bus full of kids—until 4am. He followed all the rules and everyone was safe, but now I’m being sued over our decision not to suspend service.

Your Operations, hack scenario


Safety is something I take very seriously. We even have a part-time mechanic on site—I always say, it’s better to maintain than repair. But I never considered all the cyber dangers out there. Then we got hacked and our account records were compromised: names, addresses, credit cards. The cost of the IT consultant was nothing compared to the cost to our reputation.

Your People

Someday self-driving cars may revolutionize the transportation industry, but for now, you still run on people power. Which means you need your people. Healthy. Usually when you hear about an injured driver your mind goes straight to an accident, but in fact, drivers are also often hurt helping a passenger or loading or unloading parcels.


About 1 in 4 US taxi drivers, ride-hailing drivers, and chauffeurs work part time.

Your People, strain scenario


Dave was picking up one of our regular passengers, Mr. Whitman, he’s in a wheelchair, when the ramp got stuck—maybe 4 inches off the ground. It just wouldn’t go all the way down. So, Dave tries to lean and lift and finagle Mr. Whitman’s chair onto the ramp. He managed to do it, but not without throwing out his back.

Your People, injury scenario


I always assumed that if one of my drivers got injured it would be in a driving accident. But a few months ago Rahul was in the garage adding windshield fluid when Ryan pulled in—a little too close, he just barely tapped Rahul’s bumper. I guess the prop rod wasn’t secure; the hood came down right on his head. He got a concussion and couldn’t drive for four weeks.


Your People, break scenario


Last winter when we had that late snow in March, one of my drivers went out to salt the driveway in front of our business’s garage. He slipped on the ice he was trying to melt and broke his ankle. His right ankle. Couldn’t drive for six weeks.

Your Property

A damaged or stolen vehicle can mean business interruption, lost clients, rental fees, and of course the cost of the vehicle itself. The difference between being covered and not is like the difference between a speed bump and road block.

The average taxi in the U.S. logs 70,000 miles each year.

Your Property, prank scenario


When the police called and said they found my bus I couldn’t believe it. They warned me it had been vandalized, but when I saw it, I really couldn’t believe it. I was expecting a broken windshield, maybe a few slashed seats, but it was painted top to bottom in the High School’s colors—inside and out.

Your Property, fire scenario


The fire inspector said it was most likely caused by a cigarette butt sparking in some grease. I’ve put up no smoking signs and given written warnings—for all the good that did. We managed to get our cabs out, but my on-site mechanic shop is char and rubble.


Bottom Hero, driver with client

From taxis zipping across town to buses touring the country

There are more than 276 million vehicles on the road in this country, but not everyone does all their driving themselves. Whether you specialize in short rides or long hauls, keeping your vehicles on the road is crucial. THREE will be there for you when you need us, from quick claims processing to rental vehicles to legal counsel.

THREE provides comprehensive coverage for:

Small business coverage then.

Coverages and gaps notes

Small business coverage now.

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Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.

An ounce of prevention

The best way to protect your business is to educate your staff to help prevent risky situations to begin with. In addition to online training tools, THREE offers these convenient posters that you can print out and start using right now.

Ready to simplify your insurance and get ready for whatever comes next?

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