What is Limo Insurance?

Limousine insurance is a specialized form of commercial auto liability insurance crafted to safeguard luxury ground transportation businesses and their chauffeurs. With a wide array of coverage options available, it’s essential to build a comprehensive policy tailored to your unique needs. Managing a ground transportation company extends far beyond simply driving clients; it requires the right liability coverage, unwavering commitment to safety, and thorough protection for your fleet, drivers, and passengers. At PIC, we excel at securing the right insurance solutions for your business and guiding you through claims, compliance, and ongoing support.

PIC’s tailored limousine insurance solutions are crafted to address your unique business requirements. With more than 45 years of experience, we have helped luxury transportation companies secure the comprehensive coverage they need. Our dedication to upholding the highest standards in limo insurance sets PIC apart from the competition. Ensuring you are fully protected is our top priority, and we can quickly provide you with multiple insurance quotes. Our team collaborates with you to develop a customized plan, empowering you to make informed decisions and safeguard your business at every level.

Contact Professional Insurance Center today to discuss your afforable limo insurance needs and get a customized quote. START YOUR LIMO INSURANCE QUOTE.

Nationwide Limousine Company Insurance Serving 31 States.

Types of Limo Insurance We Provide

Choosing the right combination of coverage types is essential for legal compliance, financial protection, and long-term business stability. Here are several of the specialized PIC limo insurance coverage options we can provide:

- Limo Commercial Auto Liability Insurance
- Physical Damage Coverage
- Uninsured and Underinsured Motorist Coverage
- Medical Payments or Personal Injury Protection (PIP)
- Employment Practices Liability Insurance (EPLI)
- Hired and Non-Owned Auto Insurance
- General Liability Insurance
- Workers’ Compensation Insurance
- Umbrella Insurance
- Fleet Insurance
- Cyber Liability Insurance
- Independent Chauffeur / Driver Insurance
- Taxi / Bus Charter / Motor Coach / Party Bus Insurance

The ideal limo insurance package depends on factors such as fleet size, vehicle types, operating locations, passenger capacity, and regulatory requirements. Working with an insurer or broker experienced in commercial transportation ensures coverage meets legal obligations while protecting the business from significant financial risk.
Proper limo insurance not only safeguards vehicles and passengers but also enhances credibility, helping businesses secure contracts, permits, and long-term success.

Limo Commercial Auto Liability Insurance

Limo commercial auto liability coverage is the foundation of insurance protection for limousine and chauffeur-driven transportation businesses. It is designed to cover the increased risks associated with transporting paying passengers and operating luxury vehicles in busy traffic environments. This coverage is required by law in most states and is essential for protecting both the business and the public.

Commercial limo auto liability coverage pays for bodily injury and property damage caused to others when a limousine driver is at fault in an accident. Unlike personal auto insurance, this coverage is specifically structured for commercial use, where exposure to claims is significantly higher due to passenger capacity, frequent driving, and business operations.

For limo companies, commercial auto liability is not optional—it is a legal requirement to operate, obtain permits, and maintain contracts with airports, venues, and corporate clients.

Most states and transportation authorities require higher liability limits for limousines than for personal vehicles. Common minimum limits range from $750,000 to $1 million, and in some cases higher limits may be required depending on vehicle size, passenger capacity, or operating area. These limits help ensure adequate financial protection in the event of serious accidents.

Start your FREE LIMO INSURANCE QUOTE TODAY.

Protecting Limo Business for over 45 Years!

Limo Passenger & Chauffeur Insurance

Limo passenger and driver insurance is a critical part of commercial insurance coverage for limousine and chauffeur-driven transportation businesses. This coverage is designed to protect the people inside the vehicle—both passengers and drivers—in the event of an accident, regardless of who is at fault. Because limo services transport paying customers, ensuring proper protection for occupants is essential for legal compliance, customer trust, and financial security.

Limo commercial insurance often includes medical payments or personal injury protection (PIP), depending on state requirements. This coverage helps pay for medical expenses for passengers and drivers injured in an accident, regardless of fault. It can also include rehabilitation costs and lost income in certain situations.

One of the key advantages of passenger and driver insurance is that it applies regardless of who caused the accident. This ensures prompt access to medical care without waiting for fault to be determined, reducing stress for injured occupants and minimizing disputes.

PIC offers comprehensive limo passenger and driver insurance coverage that ensures your business is protected. Call to learn more today.

Limo General Liability Insurance

General liability insurance covers non-driving-related risks, such as slip-and-fall accidents, property damage at pickup or drop-off locations, or injuries occurring while passengers are entering or exiting the vehicle. Many clients and venues require proof of general liability insurance before allowing service on their premises.

Limo general liability insurance protects limousine and chauffeur-driven transportation businesses from claims that occur outside of driving-related accidents. While commercial auto insurance covers vehicle accidents, general liability insurance addresses many of the everyday risks that can arise during normal business operations. This coverage is essential for protecting a limo company’s finances, reputation, and ability to work with clients and venues.

PIC's limo general liability insurance fills important gaps left by commercial auto policies. While commercial auto liability focuses on accidents involving the vehicle, general liability addresses incidents that occur before or after driving, or those unrelated to vehicle operation. Together, these coverages create more complete protection.

Limo general liability insurance helps:

• Meet contractual requirements from venues and corporate clients

• Protect against costly lawsuits and claims

• Enhance credibility and professionalism

• Safeguard business assets from unexpected incidents

Start your FREE LIMO INSURANCE QUOTE.

Choosing the Right Limo Insurance Policy

Selecting the right limo commercial insurance depends on factors such as fleet size, vehicle type, operating areas, and regulatory requirements. Working with an insurance provider experienced in commercial transportation can help ensure comprehensive coverage tailored to the unique needs of a limo business.

Choosing the right limo insurance policy is one of the most important decisions a limousine or chauffeur-driven transportation business can make. Because limo services transport paying passengers and operate high-value vehicles, they face greater risks and stricter insurance requirements than standard auto owners. The right policy protects your business, drivers, passengers, and financial future.

Limo insurance requirements vary by state, city, and transportation authority. Many jurisdictions require minimum commercial auto liability limits, proof of insurance filings, and specific coverage types before issuing permits or licenses. Understanding these requirements is the first step in selecting a compliant policy and avoiding fines or service interruptions.

As your business grows or changes, your insurance needs may evolve. Adding vehicles, expanding service areas, or taking on new types of clients may require coverage updates. Regular policy reviews help ensure continued compliance and adequate protection.

As an independent limo business insurance provider, we offer special rates that provide you with a competitive edge. At times, we are able to help you get the specialized livery insurance that others may not be able to provide to your business for various reasons. With over 45 years of ground transportation service insurance relations with today’s top insurance companies, PIC can get you insured when other companies fail to.