limo insurance
limousine insurance are types of livery coverage designed to protect limos and other luxury vehicles that transport passengers on a for-hire basis

limo insurance, limo insuranceLimousine insurance companies offer commercial auto insurance that matches the specific needs of limo services. Because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers and covers your risk for a liability claim

Your limousine customers rely on you for dependable service, whether it’s getting them to the airport on time or transporting their party guests around town. That’s why it’s important to have proper limo insurance coverage. Unlike taxi services, black car and limo businesses offer pre-scheduled rides with specific pick up and drop off locations. Black cars and limousines typically consist of luxury sedans or SUVs

limo insurance requirements
Insurance companies generally have a set of the black car and limo insurance requirements and rating factors you’ll need to consider. These might include:
• The vehicle’s make and model
• The vehicle’s length– your insurance company may have guidelines for stretched vehicles
• The age of the vehicle– older cars may not be acceptable
• Minimum coverage limits and your deductibles– you may be required to carry higher limits than state minimum coverage

The state, or states, where you operate might have additional or different requirements. Be sure to check with your local DMV for exact requirements or restrictions. You can get your limo insurance in these states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming.

NOTE: Some exclusive luxury Uber Lyft rideshare programs might require you to have a commercial insurance policy

limo insurance cost
Several factors influence black car and limo insurance costs including location, vehicle value, vehicle size, driver history, and coverage needs. If you operate in a suburban area versus a large city, your premium will likely be different. The age and value of your vehicle will also be a factor. There can be a considerable price difference between an older model sedan and a brand-new stretch limo.
To help you save, we compare rates from these black car Limo insurance companies Auto-Owners Travelers MetLife Mutual of Enumclaw Badger Mutual GAINSCO Encompass Bristol West Mercury State Auto Safeco Safeway Nationwide Progressive Hallmark Hartford Kemper|Infinity

limo insurance, limo insuranceHow to Get Cheap Limousine black car insurance
Require that all driver take a safe driving course
Safety should be a top priority for your business. Not only does a solid safety plan to protect your drivers and customers, but it makes your insurance premiums more affordable. Make sure your safety plan covers defensive driving, driving at night and in unsafe areas, and driving in inclement weather.
Hire reliable drivers
A good driver with CDL experience and a few points on his license is hard to come by. But you have to make it work. Insurance companies look at your driver roster
Request a higher deductible
If you have physical damage insurance for your fleet, it might be a good idea to increase your deductible. Your deductible can go all the way up to $5,000.
Pay a higher deposit upfront (at least 25%).
Instead of paying your premium entirely month-to-month, pay all your premium or part of it upfront.
Bundle your coverage.
If you own a large fleet of limousines, you will need to insure each vehicle separately. You will also need to insure your business and your garage if you own one.
Get a free online quote.

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