This is my biggest concern - and I am not alone, as I know of several companies who have told their staff they are expressly forbidden from using Uber for company business, because of the risk around insurance. There have been issues here in Canada with uninsured (or underinsured) drivers, and even unlicensed drivers. They have also been in trouble for operating without the necessary permits - they claim they are a technology company, not a taxi / limo service and therefore don't need permits - codswallop - if it looks like a duck, quacks like a duck, etc!

In addition, here it just isn't economical either - for the trip I do most often, the rates quoted for the Black or SUV are 1.5-2 times more expensive than the town car service I use. For the regular uberx it is cheaper, but who knows what you might end up with!