While there is a good deal of crossover between limousine insurance and traditional commercial auto insurance, it is important to choose a company that understands the intricacies of protecting both drivers and owners in this niche field. With more than 10 years of experience helping limousine drivers and businesses stay safe on the roads, we can help you avoid coverage gaps and get the best rates for your business.
Yes, limos are a commercial business, but because there is transportation of passengers involved, the insurance regulations do differ a good deal from something like a trucking business or courier.You will need to ensure your coverage also protects your passengers and protects you from liability claims.
Bodily injury insurance: This type of insurance will protect you against costs associated with any bodily injuries to passengers and other drivers in the event of an accident.
Uninsured and underinsured coverage: This insurance is essential in the event that your limo is involved in an accident that is the fault of another driver who is uninsured or can’t pay for damages. This is very important with untraditional vehicles like limousines.
Employment practices liability insurance: Essential for any business owner with employees on staff, this insurance covers you in the event of an accusation of wrongdoing or unfair business practices.
Personal injury insurance: This coverage will address medical bills, rehabilitation, lost wages and even funeral expenses in the event of an accident.
Property damage liability: This coverage will protect you from paying out of pocket for any damages caused to your vehicles or others by your employees or passengers.
Every business is different and every insurance plan should be specifically tailored to your unique business needs. This is why it is critical to work with a team that has years of experience helping a wide variety of businesses secure the exact coverage options they need to see the most value in return.
Factors like the size of your fleet, the number of drivers you employ, or even the amount of passengers you pick up per month can drastically affect the coverage needs for your business. Our team will work with you to explain the pros and cons of each insurance option and come to a conclusion that leaves you confident in your comprehensive limousine insurance coverage.
