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Why do limo businesses need insurance?
If a chauffeur shows up late, the result could be a lawsuit. Business insurance helps pay for legal costs from dissatisfied passengers. It also covers auto accidents, injuries, damaged property, and data breaches. Some policies, like auto insurance and workers' comp, may be required by law.
Find the right coverage
Insureon helps limo drivers and owners of small limousine businesses find insurance that fits their needs.
Fill out one free application to compare quotes from top carriers. Our expert insurance agents will help you every step of the way.
What types of insurance do you need for limousines?
These insurance policies cover common risks faced by limousine companies.
General liability insurance
This policy covers third-party lawsuits, such as a customer who slips getting into your limo and suffers an injury. It's often the first policy purchased by a small business.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Slander and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for small limo companies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Accidents that harm customers
- Stolen or damaged business property
- Business interruption insurance
Commercial auto insurance
This policy covers financial losses from auto accidents involving your business's limousines and other luxury vehicles. Most states require this coverage for vehicles owned by a business.
BEST FOR
- Auto accident injuries
- Property damaged by your limo
- Vehicle theft and vandalism
Workers' compensation insurance
Most states require workers' comp for limo companies that have employees. It also covers work-related medical costs for sole proprietors, which health insurance can deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Workplace injury lawsuits
Cyber insurance
This policy helps limousine services recover financially from a data breach or cyberattack. It's recommended for any business that stores email addresses or other customer information.
BEST FOR
- Data breach investigations
- Fraud monitoring services
- Customer notification costs
Errors and omissions insurance
E&O insurance covers legal defense costs when a limo driver is sued for a late arrival or other professional negligence. It's also called professional liability insurance.
BEST FOR
- Missed rides
- Breach of contract
- Scheduling errors
Looking for different coverage? See more policies.
How much does limo insurance cost?
A limo driver who works independently can expect to pay less for insurance than a limousine business with several employees.
Factors that affect the cost of business insurance include:
- Types of services offered
- Types of vehicles, such as luxury sedans, SUVs, or buses
- Business revenue
- Number of employees
- Employee driving records
- Types of insurance purchased
- Policy limits and deductibles
- Claims history
How do I get limousine insurance?
It's easy to get limo insurance coverage and other kinds of livery insurance if you have your business information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate.
Insureon's licensed agents work with top-rated U.S. providers to find insurance solutions that fit your limousine company, whether you're a sole proprietor or hire employees. Get peace of mind knowing you have the right protection for your risks.
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FAQs about commercial limo insurance
Review answers to common questions about limo insurance policies.
What are the limo insurance requirements in my state?
In almost every state, vehicles owned by a business must carry commercial auto insurance.
The policy must meet your state's minimum coverage requirements for bodily injury liability and property damage liability. Some states may require personal injury protection (PIP) or uninsured/underinsured motorist coverage.
Limo services and other for-hire transportation businesses may have additional requirements based on the laws in their city, county, or other locality. Typically, this depends on:
- Where you operate
- Type of vehicle, such as stretch limo or taxi cab
- The vehicle's seating capacity
For example, the New York City Taxi & Limousine Commission (TLC) mandates different amounts of minimum coverage for luxury limos, black cars, and other for-hire vehicles, depending on the type of vehicle and how many passengers it holds.
How do I find affordable commercial insurance for limo service?
A small limo company with low risks doesn't have to pay a lot for insurance. Here are a few ways to save money on insurance:
- Comparison shopping. Insurance companies often charge different rates for the same coverage. Fill out our easy online application to compare limo insurance quotes before buying a policy.
- A higher deductible. Increasing your deductible is an easy way to save money. Remember, you need to pay the deductible in full before you can benefit from your coverage.
- Lower policy limits. Policies with lower limits typically cost less. Make sure it's still an amount that could cover a lawsuit, since your provider will only cover claims up to the policy's limits.
- Annual payments. You can choose between monthly and annual premium payments, with a discount usually offered when you pay the full annual amount.
- No unnecessary options. The right policy covers your risks, without offering coverage you don't need. For example, you can save money on car insurance by skipping comprehensive coverage, which covers physical damage from falling branches, collisions with deer, and other uncommon incidents.
Keep in mind that the cheapest policy isn't necessarily the best choice for your business. A single lawsuit could bankrupt your business without the right insurance protection.