Kevin Gabel, known as 'Big Horn Kevin,' a HUM driver in Phoenix, Arizona

How "Big Horn Kevin" built a thriving private rides business with HUM

From a 7-day-a-week gig grind to a 175-contact private client business

A HUM driver case study

Kevin, known by many riders in Arizona as "Big Horn Kevin," has lived a life of service, from 20 years as a Navy search and rescue air crewman to years with the Colorado Department of Transportation. After helping his parents during a family health crisis, Kevin turned to rideshare driving to support them while keeping flexible hours.

Like many drivers, he started with Uber Eats and Uber rides, working long days that included morning trips, lunch deliveries, and evening runs. But despite putting in seven days a week, the math never added up.

"I was working myself to death. A good week was $1,500 to $2,000 gross. But after fuel, maintenance, and oil changes every other week, my bottom line was thin. I realized I was burning myself out."

How Kevin discovered HUM

Through a group of Phoenix-area drivers, Kevin first learned about HUM. The turning point came when he attended a HUM meetup and learned something critical: with HUM, private rides included insurance coverage.

"Jeff (another driver) and I looked at each other and said, this is exactly what we've been talking about. This was the model we wanted."

From that point forward, HUM wasn't just a side option. It became the foundation of his business.

Building a private client base

When Kevin first started with HUM, he had just two private clients. Today, his phone holds 175 contacts, with 40 riders using him every month and at least 30 of them booking him multiple times each month.

Early days with HUM vs. now

Kevin's strategy for turning riders into repeat clients

"I tell them: You probably paid $50 for this ride. How about I take you back for $45, and I'll meet you right at the airport when you land? Personal service, saved money, that model works."

The "unicorn ride" that changed everything

One of Kevin's best clients came through a referral from a VIP rider. That client, Anthony W., not only booked him for regular airport runs but also introduced him to his extended family.

One referral led to a three-day trip to Tucson, a two-hour drive, for a class reunion, where Kevin earned $600, plus meals and lodging.

"We call that a unicorn ride. And in Phoenix, there's a whole herd of unicorns. You just have to find them."

More than driving: building a business

For Kevin, HUM represents more than income. It represents ownership.

He now helps drivers in orientation, holds coffee meetups, and manages a YouTube channel called Things That Make You Go HUM, where he trains new drivers. He even built a 14-point framework to help other drivers shift from gig work to true entrepreneurship.

"You have to change your mindset. Uber and Lyft are lead generation for your business. They're paying you to find private clients."

Life with HUM today

"With HUM, quitting isn't even an option anymore. This isn't gig work. This is my business."

Why Kevin says he'll never go back to gig-only driving

"The old rideshare model is dog eat dog. With HUM, it's a pack mentality. We help each other succeed."

Gig grinding vs. building a private client base with HUM

Comparing Kevin's Uber and Uber Eats grind before HUM to the private client business he runs today.
Factor Building a private client base with HUM Driving on Uber and Uber Eats
Weekly schedule 10 to 15 rides a week, mostly by appointment, built around family and clients. Seven days a week: morning rides, lunch deliveries, evening runs, no real days off.
Income Averages $4,000 to $5,000 or more a month with fewer, higher-value trips. $1,500 to $2,000 gross a week, thin margins after fuel, maintenance, and oil changes.
Client relationships 175 contacts, 40+ repeat monthly riders who book Kevin directly. One-time riders assigned by the app, no ownership of the relationship.
Insurance coverage Commercial coverage in place for every private ride, through HUM. App-assigned rides only, no dedicated private-ride coverage.
Community Coffee meetups, orientation mentoring, and a driver community Kevin calls a "pack mentality." Solo grind, competing with other drivers for the next ride request.

Frequently asked questions

Is it legal to drive private clients outside of Uber and Lyft?

Yes, as long as the driver carries proper commercial coverage for those rides. That's exactly what stopped Kevin from treating private rides as a side hustle he was gambling on. HUM provides commercial insurance coverage for private rides, which is what let him build a real business on top of his app driving instead of running an uninsured gray-market operation.

How did Kevin grow his private client base from 2 to 175 contacts?

He used his app rides as the introduction, not the whole business. Kevin focused on airport trips through Uber and Lyft, struck up conversations with riders, and offered a better-priced direct return ride. One-time riders who took him up on it became repeat private clients, and referrals from those clients compounded from there.

What is a "unicorn ride" and how do you find one?

A unicorn ride is Kevin's term for the rare, high-value booking that comes from a referral chain, like the three-day, $600 trip to Tucson he picked up through a client's extended family. His advice: you don't find unicorns by chasing app requests, you find them by turning ordinary airport riders into long-term relationships that eventually refer you.

Do I need commercial insurance to drive private clients like Kevin?

Yes. Personal auto insurance typically doesn't cover paid passenger trips outside of what the app itself covers, which leaves a driver exposed on any private ride booked directly. HUM's commercial coverage is what gave Kevin the confidence to build his business on private bookings instead of staying inside the app's insurance umbrella.

How much can I earn running a private client business with HUM?

It varies, but Kevin's numbers show the shape of it: in his early days with HUM he ran close to 100 rides a month for $4,000 to $5,000, and today he earns more running just 10 to 15 higher-value rides a week by appointment. Individual results vary and are not guaranteed.

About this case study: Kevin Gabel is a real HUM driver based in the Phoenix, Arizona area, known to many of his riders as "Big Horn Kevin." HUM is a registered Transportation Network Company (TNC) that provides the insurance and operating infrastructure professional drivers use to run legitimate, independent private ride businesses.