Overview
Comprehensive insurance solutions tailored specifically for limousine fleets and chauffeured transportation operators. Whether you operate luxury sedans, Mercedes Sprinters, stretch limousines, party buses, or executive transportation services—from a single vehicle to a 20+ vehicle fleet—we provide specialized coverage through industry-leading carriers.
Our partnerships include Philadelphia Insurance Companies (PHLY), National Interstate Insurance, Texas Insurance Company, Berkshire Hathaway, and other A-rated carriers specializing in chauffeured transportation.
Our Fleet Coverage
Cadillac Escalade ESV
Executive luxury SUV
Mercedes Sprinter
Executive van and shuttle
Black Sedans
Lincoln Continental, Cadillac CT6, Mercedes S-Class
Luxury SUVs
Cadillac Escalade, Lincoln Navigator, BMW X7
Executive Sedans
BMW 7 Series, Audi A8, Genesis G90
Premium Electric
Tesla Model S, Tesla Model X, Lucid Air
Stretch Limousines
Lincoln MKT Stretch, Cadillac Stretch
Sprinter Vans
Mercedes Sprinter Executive, Luxury Sprinter
High-Value Imports
Bentley, Rolls-Royce, Maybach
Airport Black Cars
Town Cars, Executive Sedans, Chauffeur Vehicles
Who Needs This Coverage?
Coverage Includes
Comprehensive protection designed for the unique needs of limousine and chauffeured transportation.
- Up to $1.5M Combined Single Limit
- Uninsured/Underinsured Motorist coverage
- Personal Injury Protection (PIP) where required
- Passenger liability protection
- Comprehensive and Collision coverage
- Hired car physical damage including loss of use
- Zero deductible glass coverage
- Single deductible per occurrence
- Owned, non-owned, and hired auto coverage
- Lease Gap coverage
- Towing and roadside assistance
- Electronic equipment coverage
- General liability for business operations
- Workers' compensation for chauffeurs
- Garagekeepers legal liability
- Liquor liability for party buses
Key Benefits
Driver Training
Free online interactive Defensive Driver Training course and examination
Risk Management
Product-specific web-based Risk Management Services and regular e-flyer communications
Background Checks
Strategic partnership for discounted background checks and MVR checks
Competitive Rates
Rates tailored to your operation size with flexible payment options for fleet operators
24/7 Claims Support
Round-the-clock claims reporting and experienced claims handling
Specialty Coverage
Coverage for specialty vehicles, custom equipment, and loss of income during repairs
Additional Benefits
Specialized underwriting for chauffeured transportation
Partnership with PHLY Chauffeured Transportation program
Coverage for specialty vehicles and custom equipment
Loss of income protection during covered repairs
Passenger medical payments coverage
Zero deductible glass coverage
Single deductible on comprehensive physical damage per occurrence
Lease Gap coverage for financed vehicles
Vehicles We Insure
Coverage Options
Comprehensive insurance protection designed specifically for your transportation operations.
Auto Liability
The foundation of any commercial auto policy. It protects against financial loss if you or your drivers are found at fault for an accident that injures others or damages their property.
Required by law for all commercial vehicles. Limits typically range from $750,000 to $5 Million depending on vehicle capacity and regulatory requirements (PUC/DOT).
General Liability
Protects your business from third-party claims of bodily injury or property damage that occur on your premises or as a result of your business operations (non-driving).
Crucial for slip-and-fall accidents at your office, advertising injury, or customer property damage not involving the vehicle itself.
Garage Liability
Essential for transportation companies that maintain their own fleet. Covers liability arising from garage operations including vehicle maintenance and repair.
Includes Garagekeepers Legal Liability to protect customer vehicles in your care, custody, and control. Hired & non-owned coverage also available.
Coverage Limits at a Glance
- $750,000 / $1M / $1.5M / $5M CSL
- Medical Payments: $5,000 or $10,000
- PIP where applicable
- UM/UIM up to $1M available
- Deductibles from $1,000
- Roadside: $300 aggregate/vehicle
- Windshield: $100 deductible
- Chip repair: No deductible
- Limits up to $5 million
- Higher limits available on request
- Up to $20,000,000 available
- Following form: $10M x $5M
Limousine Insurance FAQs
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888-254-0089Other Coverages Limousine Operators Need
Coverage for executive black car and TCP-filed luxury rideshare.
Specialized chauffeur coverage with CPUC and TCP filings.
Auto liability and physical damage for your limousine fleet.
Premises and operations liability for limo offices and venues.
Limousine & Black-Car Insurance by State
We write commercial transportation insurance in 18 states. Explore state-specific guides for Medicaid-adjacent transit and luxury fleet coverage.
Related Transportation Insurance
Explore other commercial transportation insurance programs we write for fleet operators across the United States.
NEMT Insurance
Non-Emergency Medical Transport coverage for Medicaid contracts.
Black Car Insurance
TCP and CPUC-filed coverage for executive black car services.
Paratransit Insurance
ADA paratransit and accessible transport coverage.
Medical Transportation Insurance
Coverage for ambulettes, gurney vans, and patient transport.
Commercial Auto Insurance
Auto liability and physical damage for commercial fleets.
General Liability Insurance
Premises and operations liability for transportation businesses.
Workers Compensation Insurance
Statutory workers comp for drivers and dispatch staff.