Livery Insurance
Public Transportation Insurance

Proudly serving all livery and public auto businesses, including...

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Livery insurance limo header, a black limousine driving in Manhattan, blurred background.
Public transportation insurance NEMT header, a small non-emergency transportation bus on a city street with motion blur background.
Non-Emergency Medical Transportation - NEMT
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All Bus Operations
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Livery Insurance – Public Transportation Insurance

We specialize in livery insurance for all public auto operations. Our program covers taxi, limo, shuttle, NEMT, bus operations, and more. As an independent insurance agency, our garage is packed with public transportation insurance companies that want to compete for your business. We know the strengths of each, will match your unique operations to the best carrier, shop your coverage, then present you with the most attractive options.

Why Bankers Insurance?

Because experience matters…

Available in All States

Livery Insurance Companies

Passengers Yearly

Annual Client Savings

Our Process

Understanding Your Business

We listen to you, ensuring a thorough understanding of your operations and safety procedures.

Developing Your Risk Profile

This portion of the process consists of gathering applications, driver lists, vehicle lists, motor vehicle records, loss runs, and other details required by livery insurance companies. We consolidate, organize, and present your business in its most attractive light to select carriers.

Risk Management

We advise on how to save on insurance costs. Risk management is not selling more insurance, but rather is a process focused upon reducing your risks. This in turn decreases your need for public transportation insurance and reduces its cost. Risk management is ongoing. We work with you throughout the year to implement controls to increase savings.

Best-In-Class Insurance Placement Options

We match your business to the public transportation insurance companies that are most suited to your business model and risk profile. We market your insurance needs to them and present you with your best options.

Public Livery Insurance Program

We do not simply provide an insurance policy. Our passion is to help our clients succeed. Thus, our package of services includes resources and guides to help you become a best-in-class transportation provider. Let us help you comply with industry best practices for fleet safety. Are you looking to formerly outline and document your hiring process? Allow us to help. Your drivers are your greatest resource, but even the best still can represent a liability. We can provide guides on driver hiring procedures, driver file maintenance, vehicle inspection checklists, plus MVR review and rating criteria.

Our public livery insurance program provides best-in-class service with:

  • Dedicated Account Management: We pride ourselves on delivering a customer-centric experience. We do not operate a call center. Each client is assigned a personal account manager and given their email along with a phone number that rings right on their desk.
  • Claims Department: When you need to report a claim, we have an entire claims unit to help ensure yours is processed seamlessly. We are your advocate with your insurance carrier.
  • Rapid Response: Your service request is our top priority.
  • Risk Management Services: Each of our public transportation insurance clients can access our entire suite of risk management services. With benchmarking, we illustrate how your insurance premiums stack up next to other businesses like yours. A deeper dive will illustrate where you are currently enjoying savings, and how to obtain more. Risk analysis uncovers unknown threats and formulates a plan on how to address them. Do not be caught down the road unaware by an unforeseen claim. Our Loss Analytics service reviews your loss history to determine if you deserve higher credits with your insurance carriers. Contract Review services ensure you understand the exposures in your existing contracts, and can preview future contracts to identify concerns. We often find our clients are unaware of the risks impressed upon them in the contract language.
  • Workers Compensation Impact Analysis: With our ModMaster® program, we can illustrate how a claim will affect future workers compensation costs.
  • Experience Modification Reviews: Ensure your business is not overpaying for workers compensation insurance. Errors in experience mod calculations are more common than most believe. We can perform an experience modification review to ensure your experience mod is calculated accurately.
  • MVR Guidelines: We provide MVR guidelines so you know what constitutes an acceptable MVR.

Insurance Products

We offer livery insurance in all its forms. From traditional, guaranteed cost public transportation insurance to completely custom solutions such as captives, high deductible plans, and self-insured groups.

  • Business Auto
  • General Liability
  • Professional Liability
  • Workers Compensation
  • Umbrella Liability
  • Property: Buildings, Contents, Equipment
  • Garage Liability
  • All others…


We designed our public livery insurance program to allow the broadest scope of transportation operations.

  • Taxi
  • Limousine
  • Non-Emergency Medical Transportation (NEMT)
  • Shuttle
  • School Bus
  • Transit Bus
  • Transit Authorities
  • Tour Bus
  • Church Buses
  • Charter Buses
  • Day Care Centers
  • Group Homes
  • Wilderness Expeditions
  • And more…

Livery Insurance Quote Request

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We only use it to obtain quotes and never share.

Multi-Carrier Quotes

To ensure the best fit and lowest price. We will contact you when additional questions arise.

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Insurance Agents: We are an independent agency, do NOT broker business, and must deal directly with the client.

Full Applications

(Do not complete unless requested.)

Livery Applicationopens in a new window & Public Auto Supplementopens in a new window

Our Livery Insurance Team

Commercial Insurance Sales Executive

Eric Lane

Office: Roanoke, VA

Schedule an Appointmentopens in a new window

Direct:(540) 904-7509

Commercial Insurance Sales Executive

Brian Adams

Office: Staunton, VA

Direct:(540) 213-2301

Commercial Insurance Sales Executive

Dot Baynes

Office: Danville, VA

Direct:(434) 792-1791

Commercial Insurance Sales Executive

William Brown

Office: Portsmouth, VA

Direct:(757) 215-1342

Commercial Insurance Sales Executive

David Merriman

Office: Charlottesville, VA

Direct:(434) 327-1643

Commercial Insurance Account Manager

Jennifer Harding

Direct:(757) 656-7182

Additional Coverages and Options

In addition to the coverages discussed above, our livery insurance packages can include:

  • Management liability
    • Directors and Officers Liability
    • Employment Practices Liability Insurance: Protection against wrongful termination, harassment, discrimination, refusal to hire, etc.
    • Employee Benefits Liability: Needed if your business manages any employee benefits plans, particularly 401k or retirement plans.
  • Abuse and molestation
  • Employee Dishonesty
  • Cyber Liability / Data Breach
  • Group Benefits
    • Health
    • Vision
    • Dental
    • Life
    • Disability
    • Long Term Care
Livery insurance additional coverages, van livery driver looking in rearview mirror.

Services for Livery and Public Auto

Transporting the public is an immense responsibility. When accepting a fare, clients rely on your drivers to transport them in a safe manner. Should there be an accident, bodily injuries are costly. Thus, courteous, well-trained drivers are your largest asset. However, even the best driver can experience an accident.

Protect not only your clients, but also your business assets and hard work. Hiring conscientious drivers is of utmost importance, but so are continued training policies and retention plans. Bankers Insurance aids you in these efforts by providing resources on driver management and other critical areas.

  • Employee Safety Manuals: A must for a professionally managed organization.
  • Employee Handbooks: Address the most current human resource issues. These may be tailored to suit your own business purposes.
  • Commercial Truck and Bus Safety Studies: Encourage a culture of safety in your business. This critical guide addresses the role of safety culture in preventing commercial motor vehicle crashes.
  • Drug-free Workplace Policy templates
  • Contractual Liability Reviews and Risk Transfer Consultations: Your risk manager is available to review your client contracts to determine what risks are assumed under each, and advise regarding how to properly transfer that risk either back to the other party, or to properly insure against it.
  • Return to Work Programs: Let us help you reduce the impact of workers comp claims by 70%!
  • Best Practices Reviews and Assessments
  • Workers Compensation Experience Modification Analysis
  • Safety materials handouts: To augment your safety meetings and toolbox talks.
  • Compliance: Stay up to date with regular compliance announcements regarding DOT and OSHA.

View All

Further Resources

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At Bankers Insurance, the client is always in control.

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 public livery 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: