Does my insurance cover me driving for Juno by Gett?

Rideshare auto insurance covers you while transporting passengers. The average cost of rideshare coverage in New York is $6,000/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 20, 2021

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Things to remember...

  • Juno and Gett merged in 2017, and the company is very limited regarding what it can currently publish about insurance for its drivers
  • Juno by Gett is headquartered in New York City, so this article will offer specific information about New York insurance
  • The company serves other cities, but each location has different legal requirements for insurance
  • Auto insurance policies do not cover incidents that occur while driving for a ridesharing company; commercial insurance helps to fill the gaps but is often extremely expensive
  • Rideshare insurance helps to fill those gaps at a more affordable rate; it is also designed specifically for people working in the ridesharing field, recognizing and meeting the unique needs of such drivers

Juno is a ridesharing business that prides itself on taking a smaller cut out of its drivers’ checks than its do competitors. It claims to improve the overall experience for ride-sharing drivers.

As of its 2017 partnership with Gett, it is now part of Gett’s state-of-the-art app to connect people looking for a ride with a driver almost instantly.

Drivers use their own cars as they provide taxi service for Juno by Gett customers. This causes higher degrees of insurance risks for drivers.

It also potentially causes much confusion and misunderstanding regarding what insurance covers and whether or not additional insurance is required.

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Being Insured while Driving for Juno by Gett

Following the merge of Juno and Gett, the company has been clear about some of its procedures. Insurance is one of those ambiguous areas.

The company may either be in the process of creating insurance plans and requirements for its drivers or deciding whether or not they will do so.

The acquisition occurred earlier this year, which may complicate matters for some drivers.

For our purposes, since we cannot attain specific information about any insurance that the company provides for its drivers, we will have to look at what is common for other ridesharing services.

Most of this information is applicable to ride-sharers throughout the USA, and any information exclusive to New York City information will be noted.

  • Insurance laws vary from state to state (and in some cases from county to county), so specifics of coverage may also be different.
  • NYC requires all people who work for ridesharing services to have 100 percent commercial insurance.
  • Most ridesharing programs do not provide commercial policies sufficient to cover NYC’s legal requirement, meaning that drivers are legally required to purchase additional coverage.
  • Ridesharing services outside of NYC do not usually provide sufficient coverage for major accidents, so even in locations where extra coverage is not required by law, it prevents extreme out-of-pocket costs in cases of accidents that the company’s policies are not likely to provide.


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Purchasing Commercial Coverage

Commercial insurance for drivers who work for ridesharing companies in New York City typically costs around $6,000 per month. This cost is a result of the state’s stringent insurance laws for such drivers as well as the general insufficiency of policies such companies offer (if any).

This cost is different from state to state but the need for Juno drivers to purchase additional commercial insurance is consistent throughout the USA.

To get commercial insurance, follow these steps:

  • Assess personal policy already applied to the vehicle.
  • Recognize increased risks involved with driving for a ridesharing company.
  • Know that the coverage of a personal policy probably does not apply to any driving done for Juno.
  • Compare commercial policies that will make sure the vehicle is covered in the case of an accident, whether on or off the job.
  • Make sure that the policy is comprehensive enough to meet the new needs of this type of work, addressing all relevant potential liabilities.
  • Expect a more expensive policy than any personal auto insurance policy.
  • Explore options of consolidating policies to help find the best value.

Rideshare Insurance

The growth of the ridesharing industry has created the need for policies fit for its employees. These policies help to make up for the needs that other already-purchased policies leave unaddressed.

Yet they do so at a cost far less than most other commercial policies. Rideshare policies meet both the legal and financial needs of rideshare drivers.

Rideshare insurance fills each of the following coverage gaps:

  • Coverage for transporting others via taxi service.
  • Coverage for the business use of a personal vehicle.
  • Coverage for legal fees in the case of a law suit.
  • Coverage for medical costs in an accident not covered by a personal auto plan.

What to Know about Insurance before Accepting a Position with Juno by Gett

The recent merging of the two companies has left many aspects of the business’s operation uncertain.

It is the prospective driver’s responsibility to find out if the company offers insurance for employees and to consult with insurance professionals, comparing policies to make sure they obtain coverage wherever they are not already covered.

Consideration of the newly developed rideshare insurance will be valuable to make sure that all aspects of driving for Juno by Gett are covered.

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