Built for the Financial Realities of Modern Mobility Operators
Transportation Network Companies (TNCs) operate in one of the most complex risk environments in insurance today. From rideshare and taxi fleets to limousines, event transportation, airport shuttles, paratransit, and on-demand mobility platforms, these businesses sit at the intersection of technology, labor, regulation, and capital.
At S.W.A.N. Insurance, we specialize in protecting TNC fleets by aligning insurance strategy with the priorities that matter most to CFOs and finance leaders: cost control, coverage certainty, carrier stability, regulatory compliance, and scalability. With several legacy TNC insurers exiting the market, operators are facing uncertainty. We help fill that gap with disciplined underwriting relationships, deep transportation expertise, and a proactive advisory approach built for fleet operators who cannot afford surprises., operators are facing uncertainty. We help fill that gap with disciplined underwriting relationships, deep transportation expertise, and a proactive advisory approach built for fleet operators who cannot afford surprises.
TNC Segments We Serve
Our TNC practice supports a wide range of fleet-based mobility businesses, including:
-
Rideshare & app-based driver networks
-
Non-emergency passenger transport (where applicable)
-
Hybrid fleets combining employee drivers and owner-operators
-
Taxi fleets
-
Limousine & executive car services
-
Airport & hotel shuttle operators
-
Event & charter transportation
-
Corporate commuter & employee shuttle programs
If your operation moves people at scale and carries financial, regulatory, and reputational risk, S.W.A.N. is built to support you.
Why Fleets Choose S.W.A.N. Insurance
Financially Intelligent Insurance Strategy
- Structure coverage that aligns with balance sheet and cash-flow priorities
- Reduce volatility from claims, renewals, and carrier exits
- Identify inefficiencies, redundancies, and coverage gaps
- Model premium impact as fleets scale, contract, or pivot
Deep Transportation & Fleet Expertise
- Longstanding relationships with carriers that still actively underwrite TNC risk
- Experience across multi-state and cross-border operations
- Insight into evolving TNC regulations, driver classifications, and contractual risk
- Claims advocacy that understands the realities of high-frequency fleet exposure
Stability in a Volatile Insurance Market
- We prioritize carrier stability and underwriting discipline
- We prepare clients well in advance of renewal cycles
- We reduce dependency on single-carrier solutions
- We help CFOs plan - not react - to market shifts
One Partner, End-to-End Accountability
Marc Crawford
Director of Transportation
TNC Lead
Speak to a Specialist
For Access and approval to our Exclusive NEMT Insurance Program please complete the auto application and upload all required documentation, as this is a specific NEMT Insurance all lines program, all required documents must be uploaded for submission to be completed.
Introducing the DRIVE Program
Better rates. Stronger carriers. Safer fleets. DRIVE is S.W.A.N.’s proactive risk management system — included at no additional cost for clients — that helps your fleet become best-in-class before renewal, not during it.
Explore Our Cross Border Trucking Resources
Common Questions from TNC Finance Leaders
We’re here to help you navigate Transportation Network Company Fleet Insurance. If you don’t see your question listed, feel free to reach out to our team for assistance.
How is pricing calculated?
What types of insurance do TNC fleets typically need?
Can you help us replace exiting carriers?
We operate in multiple states. Is that a problem?
How do you help control premium increases?
Do you work directly with CFOs and finance teams?
Let’s De-Risk Your Mobility Business
If your TNC fleet is navigating market exits, rising premiums, or increasing complexity, S.W.A.N. Insurance is ready to help. Our focus is simple: protect your operation, support your financial strategy, and give you confidence in an uncertain insurance market.
