General Liability Insurance

Understanding General Liability Insurance

General liability insurance is a fundamental coverage that protects your transportation business from financial losses when you're legally liable for bodily injury, property damage, or personal injury to third parties that occurs on your premises or as a result of your operations, but not directly involving your vehicles.

At InsureLimos.net, we specialize in providing general liability insurance tailored to the unique needs of transportation businesses, including:

Limousine services
Taxi operations
Transportation Network Companies (TNCs)
Non-Emergency Medical Transportation (NEMT)
Bus and motorcoach operators
School bus contractors
Sprinter and van services
Medical day care transportation

Why General Liability Insurance Is Essential

While auto liability covers incidents involving your vehicles, general liability protects against many other risks your transportation business faces. Without adequate coverage, your company could face significant financial losses from:

Legal defense costs
Settlement payments
Medical expense reimbursements
Property damage compensation
Judgments from lawsuits
Reputational damage

What Our General Liability Insurance Covers

Our general liability insurance provides comprehensive protection for transportation businesses:

Bodily Injury

This coverage applies when someone is injured on your premises or as a result of your operations (not involving your vehicles). It helps pay for:

Medical expenses
Rehabilitation costs
Lost wages
Pain and suffering
Funeral expenses in case of fatality
Legal defense if you're sued

Property Damage

This coverage applies when your business operations damage someone else's property (not involving your vehicles). It helps pay for:

Repair or replacement of damaged property
Temporary replacement costs
Loss of use expenses
Legal defense for property damage claims

Personal and Advertising Injury

This coverage protects against claims of non-physical injury resulting from certain offenses, including:

Libel and slander
False arrest or detention
Malicious prosecution
Wrongful eviction
Invasion of privacy
Copyright infringement in advertisements
Use of another's advertising idea

Medical Payments

This coverage pays for minor medical expenses for injuries to third parties on your premises, regardless of fault. Benefits include:

Immediate payment without establishing liability
Coverage for reasonable medical expenses
Potential to prevent larger claims

Products and Completed Operations

This coverage protects against claims arising from products you sell or services you provide after the work is completed, such as:

Food or beverages served in your vehicles
Merchandise sold to passengers
Installation of aftermarket equipment
Maintenance or repair services

Transportation-Specific General Liability Risks

Transportation businesses face unique general liability exposures that our coverage is designed to address:

Premises Liability

Coverage for incidents that occur at your business locations, such as:

Slips, trips, and falls at your office or garage
Injuries at passenger waiting areas
Damage to customer property at your facilities
Incidents during vehicle maintenance or cleaning

Operations Liability

Coverage for incidents that occur during your business operations (not involving your vehicles), such as:

Injuries during passenger assistance (outside the vehicle)
Damage to property during luggage handling
Incidents at special events where you provide services
Damage caused by equipment or signage

Contractual Liability

Coverage for liability you assume under certain contracts, such as:

Service agreements with clients
Venue contracts for special events
Lease agreements for facilities
Vendor contracts

Liquor Liability (Optional)

For limousine and party bus operators that allow alcohol consumption, optional liquor liability coverage can protect against:

Claims arising from intoxicated passengers
Third-party injuries caused by intoxicated passengers
Property damage caused by intoxicated passengers

Special Event Coverage

Enhanced protection for transportation services at weddings, proms, corporate events, and other special occasions, covering:

Incidents during passenger loading and unloading
Property damage at event venues
Claims related to event coordination

Coverage Options and Limits

We offer flexible coverage options to meet the specific needs of your transportation business:

Coverage Limits

Our general liability policies offer various limit options to provide adequate protection:

Per Occurrence Limit: The maximum amount paid for any single claim, typically ranging from $1 million to $5 million.
General Aggregate Limit: The maximum amount paid for all claims during the policy period, typically ranging from $2 million to $10 million.
Products-Completed Operations Aggregate: The maximum amount paid for all products and completed operations claims during the policy period.
Personal and Advertising Injury Limit: The maximum amount paid for covered personal and advertising injury claims.
Medical Expense Limit: The maximum amount paid for medical expenses per person, typically ranging from $5,000 to $10,000.
Damage to Premises Rented to You Limit: The maximum amount paid for fire damage to premises you rent, typically $100,000 to $300,000.

Deductible Options

Choose from various deductible levels to balance premium costs with out-of-pocket expenses:

$0 deductible (first-dollar coverage)
$500 deductible
$1,000 deductible
$2,500 deductible
$5,000 deductible
Custom deductible options for larger operations

Additional Coverage Enhancements

We offer several endorsements to enhance your general liability protection:

Additional Insured Status: Extends coverage to clients, venues, or other parties as required by contract.
Waiver of Subrogation: Prevents your insurer from seeking reimbursement from other parties after paying your claim.
Primary and Non-Contributory Coverage: Makes your policy primary when other insurance is available.
Per Project Aggregate: Provides a separate aggregate limit for each project or location.
Extended Reporting Period: Extends the time to report claims after the policy ends.

Business Owners Policy (BOP) Option

For eligible transportation businesses, we offer a Business Owners Policy that combines general liability with property coverage for potential premium savings. A BOP typically includes:

General liability coverage
Building coverage (if you own your facility)
Business personal property coverage
Business income and extra expense coverage
Electronic data coverage
Employee dishonesty coverage

Risk Management for General Liability

We provide comprehensive risk management services to help you reduce general liability claims:

Premises Safety

Maintaining safe premises is essential for preventing general liability claims. We provide guidance on:

Slip, trip, and fall prevention
Proper lighting and signage
Facility maintenance and inspection
Snow and ice removal procedures
Parking lot safety
Security measures

Operations Safety

Safe operational practices can significantly reduce liability exposure. We provide resources for:

Passenger assistance training
Luggage handling procedures
Special event protocols
Customer service best practices
Vendor management

Contract Review

Many general liability claims arise from contractual obligations. We provide assistance with:

Identifying problematic contract language
Understanding insurance requirements
Negotiating favorable terms
Certificate of insurance management

Claims Management

Our specialized claims team understands the unique aspects of transportation industry general liability claims. Our claims services include:

24/7 claims reporting
Dedicated claims adjusters familiar with transportation operations
Rapid response for serious incidents
Proactive claims management to control costs
Assistance with incident investigations
Claims analysis to identify trends and prevention opportunities