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HopSkipDrive Insurance Overview and FAQs

HopSkipDrive maintains robust casualty insurance designed specifically with the interests of its partners and users in mind.  In particular, HopSkipDrive’s insurance accounts for the fact that most riders are youth and other vulnerable populations, and has been designed specifically based on actual data relating to ride volume, incident rates and total exposure.
 
In particular, HopSkipDrive maintains:
  • Commercial Auto Liability Insurance: $1,000,000 per occurrence ($1,500,000 in Nevada)
  • General Liability Insurance: $1,000,000 per occurrence / $2,000,000 aggregate
    • $5,000 Medical Expense Limit
  • Sexual Misconduct Insurance:  $2,000,000 per occurrence / $2,000,000 aggregate
  • Cyber Liability Insurance:  Up to $3,000,000
  • Employer’s Liability Insurance:  $1,000,000 per occurrence/ $1,000,000 aggregate
  • Workers Compensation Insurance:  Per statute
  • Umbrella/Excess Liability:  Available upon negotiation
 
HopSkipDrive only works with trusted insurance carriers with an AM Best rating of A and above.
 
 

How does HopSkipDrive’s insurance differ from other companies?

  1. HopSkipDrive’s Coverage is Primary. HopSkipDrive’s commercial casualty coverage is specifically designed to insure all HopSkipDrive services.
    • HopSkipDrive’s Auto Liability policy specifically covers all rides.  While CareDrivers do have personal auto insurance, HopSkipDrive’s auto insurance is primary and would cover accidents and injuries during a ride.
      • Compare this to a broker model where, generally, the broker’s subcontractors’ insurance is primary to that of the broker.
      • HopSkipDrive is removing the middle man.  HopSkipDrive’s structure means that prospective partners only need proof of HopSkipDrive’s coverage as it insures all of HopSkipDrive’s services.
    • Similarly, HopSkipDrive’s General Liability and Cyber insurance policies are designed to cover all HopSkipDrive services.  Sexual Misconduct Insurance specifically includes CareDriver actions.                                                                                                          
  2. HopSkipDrive is Subject to Stringent Regulations.  As a transportation network company, HopSkipDrive is subject to stringent regulatory requirements relating to auto insurance coverage.  Often, HopSkipDrive is required to maintain proof of commercial coverage on file with regulatory bodies and would be subject to penalties in the event coverage does not meet local requirements.                                                                                                          
  3. HopSkipDrive’s Auto Insurance is Based on Telematics Data.  HopSkipDrive is relentless about safety, and its casualty insurance providers have complete transparency into safety data.
    • For example, HopSkipDrive’s auto liability insurance provider utilizes real-time telematics data through sensors in smartphones.
    • This telematics data detects the six riskiest driving behaviors:  rapid acceleration, tight turning, hard braking, speeding, device usage while driving, and collision detection.
    • Not only does this provide HopSkipDrive and CareDrivers with complete transparency into driving behavior, but it means that HopSkipDrive’s auto liability insurance is based on real data.
 

By the way, have you seen HopSkipDrive’s safety results?

 
Based on an analysis of 2018-19 safety data, encompassing 12.388 million miles driven by CareDrivers:
 
  1. An overwhelming majority of rides — 99.584% — were completed without any type of safety-related issue.
    • 0.000% of rides experienced a critical safety incident of any kind.
    • 0.029% of rides experienced a traffic accident, with 0.006% of those being a major accident in which one of the vehicles was towed away from the scene or medical attention was needed, including just to get checked out by a professional.  
  2. HopSkipDrive’s collision rate per mile driven was 140 times lower than the national average!
  3. CareDrivers were found to be 75.9% safer than all global drivers.
  4. HopSkipDrive was found to be 71.9% safer when compared against all Global TNC.               
  5. The results from the comparative analysis showed that HopSkipDrive CareDrivers use their phones while driving almost 8x less frequently than the average U.S. driver!
 
See the full results of the HopSkipDrive Safety Report.

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