Pouch Insurance
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Micro-Fleet Rideshare FAC

Your fleet earns on the platform.
We cover everything else.

Liability coverage for fleet owners leasing vehicles to Uber, Lyft, DoorDash, and Amazon Flex drivers, protecting you when the app is off so nothing falls through the cracks.

How It Works
25
Max fleet vehicles
TN
Currently available
$/mi
Per-mile rating

Platforms Covered

UberLyftDoorDashAmazon Flex
Telematics
Required

Coverage Gap

Off-platform exposure is filled. When the app is off, Pouch has your fleet.

How It Works

Seamless coverage through every stage.

No confusion and no insurance gaps. Pouch and the TNC platform work together across the full trip lifecycle.

1
Before the Gig

Pouch Covers You

When vehicles are parked, in transit, or the app is closed, Pouch liability coverage is active.

App OFF -> Pouch ON
2
During the Gig

TNC Platform Covers

When the driver activates Uber, Lyft, DoorDash, or Amazon Flex, platform coverage takes over.

App ON -> TNC covers
3
After the Gig

Pouch Is Back

As soon as the gig ends and the app goes offline, Pouch resumes without a gap.

Gig ends -> Pouch resumes
Why Pouch

Built for serious fleet owners.

You've built a business around the gig economy. Your insurance should be built around it too — not a generic personal auto policy that voids the moment you rent commercially.

Off-Platform Gap Coverage

TNCs only protect your drivers when the app is active. Pouch fills every moment in between — maintenance runs, driver pickups, idle time, anything the platform does not touch.

Telematics-Powered Fair Pricing

You only pay for the miles that matter. Our per-mile model uses telematics to charge for actual off-platform exposure — safe drivers and well-managed fleets pay less.

MVR Screening on Every Driver

Pouch runs a Motor Vehicle Report before any driver is added to your policy. Bad actors never get on your fleet's coverage — protecting your rates and your business.

Fast, Flexible Admission

Admitted carrier backing means real regulatory protection. Add vehicles and drivers as your fleet grows with simple underwriting support.

Real Humans When You Need Them

Experienced underwriting team available Monday–Friday. Call (844) POUCHIT and press 3 for underwriting support.

Eligible Platforms

Your drivers can work any of these platforms.

Pouch partners with top TNCs. As long as the platform provides its own liability coverage while the app is on, we fill the gap when it is off.

Uber

Rideshare platform covering millions of drivers. Pouch covers fleet vehicles between Uber fares.

Rideshare

Lyft

America's second-largest rideshare network. Your fleet stays protected when Lyft coverage ends.

Rideshare

DoorDash

Food and grocery delivery giant. Pouch covers miles before and after active delivery runs.

Delivery

Amazon Flex

Independent contractor delivery program. Pouch picks up where Amazon's app coverage ends.

Delivery

Only TNC platforms that provide their own active-app liability coverage are eligible. Have a different platform? Call us to ask.

Coverage Details

What is included and what is not.

What's Included

Bodily Injury & Property Damage Liability
State minimum split limits — policy level, required coverage
Uninsured / Underinsured Motorist (UM/UIM)
State minimum limits — may be rejected with signed form
Uninsured Motorist Property Damage (UMPD)
State minimum limits where applicable — vehicle level
Personal Injury Protection (PIP)
Where required by state law — state minimum per person limit
Off-Platform Gap Protection
Active whenever the TNC app is closed or between gigs

Not Available in This Program

Collision Coverage
This is a liability-only program — no physical damage
Comprehensive Coverage
Liability only — vehicle damage not covered by Pouch
Medical Payments
Not included unless required by state law
Roadside Assistance & Towing
Not available under this program
Rental Reimbursement / Loss of Use
Not available under this program
Waiver of Subrogation
Not available under this program
Limits cannot exceed state minimums. This program is built for off-platform liability exposure while platform coverage applies during active app use.
Eligibility

Is this program right for you?

Quick checklist. You should be able to check every box in the green column.

You Qualify If...
You own and manage a fleet of 1–25 vehicles
You lease vehicles to independent gig workers
Your drivers work on Uber, Lyft, DoorDash, or Amazon Flex
All vehicles can have a telematics device installed
Drivers are 21+ years old with 1+ year of driving experience
Drivers have clean-ish records — max 1 major violation OR 1 at-fault (not both)
You operate as a sole proprietor, LLC, or corporation
You are based in Tennessee (more states coming)
This Isn't the Right Fit If...
You need Collision or Comprehensive physical damage coverage
You require liability limits above state minimums
Any driver is under 21 or has less than 1 year of experience
A driver has both a major violation AND an at-fault accident
You operate more than 25 vehicles
Any driver has an SR-22, FR-44, or FMCSA filing
Vehicles have more than 6 wheels or seating for 8+ people
You use vehicles for towing, hauling, or delivery of goods
How Your Rate Is Calculated

You only pay for the miles that matter.

Unlike flat-rate commercial policies, Pouch's per-mile model means fleet owners who manage well and drive safely pay less. Three factors determine your premium:

01Chargeable Miles

Total miles driven minus miles with a TNC app active. Only off-platform miles count. Drivers who authenticate with all their TNC platforms keep your chargeable miles — and your bill — lower.

02Driving Behavior Score

Telematics captures every driver's habits in real time. Each driver earns a Premium Per Mile tier based on how they actually drive — safer drivers, better rates.

03Schedule Rating

Fleet management quality, employee selection standards, equipment condition, and safety protocols are factored in — rewarding fleet owners who run a tight operation.

Telematics Required

Every vehicle needs a connected device.

Telematics isn't optional — it's what makes fair, per-mile pricing possible. A device must be installed on every vehicle in your fleet. No device, no coverage.

Tracks off-platform vs. on-platform miles automatically
Scores each driver's behavior individually
Helps Pouch report unsafe driving back to you as the fleet owner
Enables precise, fair per-mile billing
Pouch can help you get set up — just ask your agent
FAQ

Common questions, straight answers.

How many vehicles can I insure?

Micro-Fleet Rideshare FAC supports fleets from 1 to 25 vehicles.

What does off-platform mean?

Any time the TNC app is not active: parked, driver transfer, maintenance, or non-gig use.

Is telematics required?

Yes. Every vehicle must run a connected telematics device.

Can I add drivers after binding?

Yes, by endorsement, subject to MVR review and underwriting rules.

Tennessee Fleet Owners

Stop leaving your fleet exposed.

Get a per-mile liability quote for your Micro-Fleet Rideshare FAC program today.

Call (844) POUCHIT