Livery Insurance
Public Transportation Insurance

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

Livery insurance taxi, a yellow cab in New York with motion blur background.
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.
Livery insurance shuttle header, a shuttle bus driving on a city street with motion blur background.
Public transportation insurance bus header, city bus driving on a city street with a motion blur background.
taxi insurance
Taxi
limo insurance
Limousine
NEMT insurance
Non-Emergency Medical Transportation
NEMT
shuttle bus insurance
Shuttles
bus insurance header
All Bus Operations
previous arrow
next arrow

Livery Insurance – Public Transportation Insurance

Available in Georgia, Kentucky, North Carolina, South Carolina, Tennessee, and Virginia.

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 your options.

Why Bankers Insurance?

Because experience matters…

6
Available in GA, KY, NC, SC, TN, & VA

23
Livery Insurance Companies

312000
Passengers Yearly

523419
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 offers quality 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 your claim be 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 to help 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: Make sure 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 help make sure your experience mod is calculated accurately.
  • MVR Guidelines: We offer 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 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…

Operations


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

Livery Insurance Quote Request

  • To begin the quote process ALL applicants must complete this brief form.  One of our livery insurance agents will contact you.
  • Complete form in full.  All fields are required.  Input “N/A” for any field not applicable.
Quote, Transportation
Check all that apply

A few extra questions regarding your NEMT business before we proceed:

Number of Vehicles
Years in Business

Thank you for reaching out to Bankers Insurance! At this time we are unable to accept any clients with less than five vehicles. Thanks and good luck with your insurance search.

Congratulations on starting your new NEMT business! New venture applications require 1) completed business plan, 2) pro-forma financial projections, and 3) resumes of all principals. Email those documents to transportation@bankersinsurance.net and we will review and contact you. New venture submissions without those documents will be ignored.

Please complete the rest of the application.

Business Information

First
Last
If in business less than three years, state any relevant previous background experience of owners/managers.
Please note our program guidelines currently require five or more vehicles.
Check all that apply
Check all that apply

Current Business Insurance

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.
Have you received quotes from other insurance companies? *
If you have received quotes from other insurance companies, list them here. This will ensure we do not waste your time approaching the same carriers.

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


Full Applications

Livery Application & Public Auto Supplement

Note: Do not complete until directed by one of our agents.

Our Livery Insurance Team


Mandy Forren
Personal Insurance Advisor

Mandy Staton

Portrait of Ray Brann, Sales Executive
Business Insurance Advisor

Ray Brann

Personal Insurance Advisor

Mandy Staton

Office: Lexington

Business Insurance Advisor

Ray Brann

Office: Charlottesville 

Schedule an Appointment

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

Public transportation insurance services, young couple outside taxi on city street during daytime.

Newsletter Signup

We never share your information.  Unsubscribe any time.
At Bankers Insurance, the client is always in control.

Why Bankers Insurance?

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

We don’t expect clients to be public livery insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

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

Accessibility Tools
hide