From the Founder
Welcome to our small yet vibrant family at Manh Brokerage, where each member is not just an employee but an integral part of our journey. As the founder, I am thrilled to extend my warmest greetings to you all. Our story began with a simple yet profound vision: to build a company that not only provides top-notch insurance brokerage services but also fosters a culture of inclusivity, respect, and growth. From humble beginnings in the heart of Queens, New York City, we have steadily grown, fueled by our unwavering commitment to excellence and our deep-rooted values. Our growth is not just measured in numbers, but in the relationships we've forged and the lives we've touched. Each client served and each policy crafted has been a testament to our dedication and passion for what we do.
Our Goals
At Manh Brokerage, our goals extend beyond mere profit margins. Yes, we strive for financial success, but equally important is our commitment to making a positive impact in our community and beyond. We aim to be the go-to insurance brokerage in NYC, known not only for our expertise but also for our unwavering integrity and client-centric approach.
Moreover, we aspire to create a workplace where every individual feels valued, empowered, and inspired to reach their fullest potential. We believe in nurturing talent, fostering innovation, and embracing diversity in all its forms. Together, we can achieve greatness and make a real difference in the lives of those we serve.
Our Standards
Excellence is not just a goal; it’s our standard. We hold ourselves to the highest ethical and professional standards, ensuring that every interaction, every policy, and every decision is guided by integrity and transparency. Our clients trust us to protect what matters most to them, and we take that responsibility seriously.
Innovation is also at the core of who we are. We are constantly seeking new ways to improve and adapt to the ever-changing landscape of the insurance industry. Whether it’s leveraging cutting-edge technology or implementing creative solutions, we are committed to staying ahead of the curve and providing our clients with the best possible service.
What is TLC?
In New York City, TLC stands for the Taxi and Limousine Commission, an authority tasked with regulating and supervising the taxi and for-hire vehicle sectors. This agency establishes criteria for drivers, vehicles, and base stations, issues licenses and permits, enforces regulations, and prioritizes public health and safety.
As such, TLC insurance is mandatory in Queens and all other boroughs of NYC. Compliance with TLC insurance requirements is essential citywide, ensuring adherence to regulations and safeguarding both operators and passengers alike.
What is TLC Policy?
A TLC policy is a specific type of insurance mandated by the Taxi and Limousine Commission for commercial passenger transportation vehicles operating within a designated area, typically a city.
This coverage offers financial protection for drivers, passengers, and third parties in case of accidents or incidents occurring while the vehicle is utilized for business purposes. The details and requirements of TLC policies differ based on location and regulations set by the commission.
TLC INSURANCE SERVICES
Talk about your philosophy and how it affected your company's trajectory.
Uber & Lyft Car Insurance
At Manh Brokerage, we specialize in providing tailored insurance solutions for rideshare drivers with Uber and Lyft. Our expertise, customized plans, competitive rates, and responsive service set us apart. We offer coverage options including liability, comprehensive protection, and uninsured/underinsured motorist coverage. Contact us for a free quote and drive with confidence.
Medallion/ Green Taxi Insurance
We offer specialized insurance solutions for Medallion and Green taxi drivers. With customized plans, competitive rates, and responsive service, we provide coverage options including liability, comprehensive protection, and uninsured/underinsured motorist coverage. Contact us for a free quote today.
FHV / Livery Car Insurance
We specialize in providing tailored insurance solutions for the unique needs of FHV (For-Hire Vehicle) and livery car operators in New York City. Our comprehensive services include FHV and livery insurance, commercial auto insurance, and coverage for uninsured/underinsured motorists. We offer 24/7 claims assistance and customized coverage options to ensure peace of mind for drivers and fleet owners alike. Contact us today to learn more about how we can protect your business on the road.
Commercial Vehicle Insurance
We provide tailored insurance solutions for businesses operating commercial vehicles in New York City. Our comprehensive services include commercial auto insurance, fleet insurance, cargo insurance, liability coverage, and specialized options such as hired and non-owned auto insurance. With our expertise, we ensure your assets and operations are protected on the road. Contact us today to learn more about our customized insurance solutions.
Workers Compensation
We offer specialized workers' compensation insurance solutions tailored to protect both your employees and your business in the event of workplace injuries or illnesses. Our comprehensive services include workers' compensation coverage, employer's liability insurance, risk management solutions, claims management services, regulatory compliance assistance, and customized coverage options. Contact us today to learn more about how we can help safeguard your business and support your employees.
Others Line of Insurance
We extend our expertise beyond specialized areas to offer a comprehensive suite of insurance solutions tailored to your business needs. Our services encompass a wide range of coverage, including general liability, property, professional liability, cyber liability, commercial umbrella, and employee benefits insurance. Contact us to explore how our tailored insurance programs can safeguard your business effectively.
TLC INSURANCE Requirements
You’ll find it helpful to know that there are additional requirements that must be met by taxi and rideshare drivers in NYC in addition to insurance. TLC has additional requirements for the car you drive. These requirements are:
- The vehicle must be a four-door car or minivan that was registered in 2006 or later.
- The vehicle must be kept in good condition with no cosmetic damage.
- The vehicle must have a valid emissions certificate.
- There should be no commercial branding on the vehicle.
TLC INSURANCE Requirements FOR CORPORATION
- Application along with the corporation addendum application.
- Proof of address of owner of the corporation
- Minutes of the corporation
- Ownership of corporation
- Corporate filing receipt
- Registration
- Street hail livery permit (front and back) if applicable
- Driver’s License
- Title/MV-50
- TLC license/DMV license/Motor vehicle report for drivers
- Cell phone number and email address of both owner and the driver
- Driver’s proof of address
- Base letter
TLC INSURANCE Requirements for individual application
- DMV License
- TLC License
- Cell phone and email address
- Proof of Address
- MVVR (Motor vehicle report)
- Title/MV50
- Base letter
- Accident Report (if applicable)
- Loss Run Report (if applicable)
Stay Protected On The Road
DEFENSIVE DRIVING COURSE
Our comprehensive defensive driving course is interactive and easy to use. Our proven course design helps drivers improve their driving decisions and sharpen their skills on the road. Working at your own pace, you will watch real life driving situations and learn defensive driving techniques.
TLC Insurance FAQ
TLC requires taxi and limousine drivers to have liability insurance and garage liability insurance. Liability insurance covers damages or injuries caused by the driver to a third party, while garage liability insurance covers damages or injuries caused by the vehicle while it is being operated as a taxi or limousine.
TLC requires a minimum liability coverage of $100,000 per person and $300,000 per accident for bodily injury and $10,000 for property damage. This means that in the event of an accident, the insurance company will cover up to $100,000 in medical expenses per person, up to $300,000 in total medical expenses per accident, and up to $10,000 in property damage. It is important to note that these are the minimum coverage requirements and some TLC drivers may choose to purchase additional coverage for added protection. It’s also important to ensure that the insurance policy you purchase meets the TLC’s requirements and regulations.
Yes, TLC requires all licensed taxi and limousine vehicles to have commercial auto insurance.
TLC insurance can be obtained through an insurance broker or agent who is authorized to provide TLC insurance. You can also find a list of authorized providers on TLC’s website.
You can submit your TLC insurance information through the TLC’s e-hail application system, by fax, or by mail.
If your insurance policy expires or is cancelled, your TLC license will be suspended, and you will not be able to operate as a taxi or limousine driver.
If you are involved in an accident while driving a TLC-licensed vehicle, you must report the accident to TLC within 24 hours. TLC will investigate the accident and determine if any violations have occurred.
Operating without valid TLC insurance is a violation of TLC regulations and can result in fines, suspension or revocation of your TLC license.
TLC also requires vehicles to have a commercial auto insurance policy with a minimum coverage of $1,500,000 combined single limit.
No, TLC-licensed vehicles can only be insured by a provider that is authorized by TLC. A list of authorized providers can be found on TLC’s website.
Your insurance rates may be affected if you are involved in an accident. Insurance providers will take into account the circumstances of the accident and your driving record when determining your insurance rate.
If you need help finding the insurance that’s right for you, we can assist you. Our agent is a professional who acts as an intermediary between you and the insurance company. We will work with you to understand your insurance needs and help you find the right policy to meet those needs. We can also help you compare different policies and pricing options to ensure you’re getting the best value for your money. We are independent and can help you with all types of insurance, from health and life insurance to car and home insurance. We can also help you with special coverage, for example for events, for your business, for bonds, etc. We can also help you with renewals, claims and any other related needs. We can be a great resource when it comes to navigating the complex world of insurance.