Limo Insurance

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Limousine & Livery Insurance

Available in all 50 states!

We want to drive your business to success. Limo and other livery companies keep America moving.  Bankers Insurance represents many insurance companies that specialize in limo insurance.  As an independent insurance agent, you can relax knowing we have your business’s best interests at heart.

Shopping for limo insurance?  Request a quote today!

We Offer

  • Insurance companies that specialize in limousine insurance and public livery insurance
  • Competitive pricing
  • Compliance with contractual insurance requirements
  • Packages matched to transportation manager or dispatcher requirements
  • Expertise with prompt, courteous service
  • Fifty state footprint
  • Monoline livery livery insurance policies or comprehensive packages

We can insure

  • Limousines
  • Black car
  • Executive transport
  • Shuttle, school, and anciliary operations acceptable
  • Commercial Auto
  • General Liability
  • Workers Compensation
  • Employment Practices Liability Insurance
  • Garage operations
  • Directors & Officers Liability
  • all Others

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At Bankers Insurance, the client is always in control.

Ride with the pros.  Protect your investment.

Limousine services provide chauffeured vehicles for hire.  Operations vary, but can include transportation services for corporations, such as transporting executives to/from airports, hotels, appointments, and meetings.  Many businesses also serve special events, such as weddings, funerals, celebrity events, promotionals, and funerals.

Livery Insurance Requirements

State requirements vary by type of service provided and vehicle capacity.  Requirements can be from a little as $100,000 liability up to $1,500,000 or more.  However, your limo insurance requirements may differ.  When a business transports people for a fee, a great deal of liability is assumed upon the transportation company for the well being of their passengers.  State limits may not provide sufficient protection.  Although lower limits are available, we recommend at least a $1,000,000 liability limit.

If your business contracts with another entity to provide transportation services, such as third party transportation managers or dispatchers, they will most likely impose livery insurance requirements of their own.  Such contracts often require the other party be named as an additional insured on the limo insurance policy.  This is a common request.  Be sure to inform your insurance agent of any such requirements.

Drive safe.  Protect your business.  Inform us about all your operations to ensure thorough coverage.

Management and Safety Resources

Your business’s success is our goal.  Not only do we provide comprehensive livery insurance packages, but we also make available many other management resources to fuel your tank and speed you on your way.  As a client of Bankers Insurance, all you have to do is ask.

  • Driver hiring checklists
  • Driver screening programs
  • Driver safety programs
  • Safety manuals and pre-trip safety inspection sheets
  • Contractual liability consultation
  • Safety reviews
  • Review all of Bankers’ value-added client services.

Limo Insurance Quote Request

To begin the quote process ALL applicants must complete this brief form.  One of our limo insurance agents will contact you.

Your information is secure.  We only use it to obtain quotes and never share.
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Directions:  Complete form in full.  All fields are required.  Input “N/A” for any field not applicable.

Quote, Transportation
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If in business less than three years, state any relevant previous background experience of owners/managers.
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Current Business Insurance Information

If new in business, input "N/A" where applicable
Total number of all claims for last three years.
Total dollar amount of all claims for last three years.
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Limo Insurance Package Coverages

Options and Highlights

Price Reduction

Drivers are your limo insurance’s biggest cost driver (pun intended). First, their driving history affects the business’s insureability and rates. Hire poor drivers and rates increase. For example, I once quoted a livery business at $8,000 per year for their business autos, but when motor vehicle records were checked the price jumped to $12,000 per year.

Drivers also influence claims history. Suppose one of your drivers has an at-fault accident that results in a large claim. Your insurance company protects the business and pays the claim. That’s why you carry livery insurance. However, that settlement is now a part of your business’s claims history and will influence pricing for the next few years. So, even if you dismiss the at-fault driver and they no longer work for you, they will influence your premiums for a long time. Please don’t misunderstand – some claims are anticipated. But limo insurance is meant to protect the business from loss. Thus, if claims history begins to look like other claims are in the future, insurance premiums will be adjusted upon renewal to compensate.

How to Reduce Premiums

In summary,

  1. Hire good drivers. Set up a driver hiring program. Obtain motor vehicle records at least yearly. Compare the results to standards set in the program, and act accordingly.
  2. Train your drivers. Ensure they are familiar with the vehicles and the area. Make a ride-along a part of your new driver training. Send them to periodic defensive driving courses.
  3. Maintain your vehicles. Establish a routine maintenance schedule. Provide pre-trip checklists. Ensure issues are addressed quickly.
  4. Obtain a GPS tracking system. Not only will this increase your busienss’s efficiency, but speed and location is easily monitored. No more claims for a driver’s side trip to the grocery store.
  5. Install video cameras. Video recorders have increased in quality and decreased in price immensely within the last few years. Many clients have been saved from frivolous lawsuits and scammers by these systems.

Further Resources

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be limo insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the coverage that suits your specific business.  We look for coverage gaps to help ensure complete protection.  With us, you get the benefit of: