Limousine Insurance

First in Protecting, Your Passengers.

Your limousine customers turn to you for reliable service, whether to get them to the airport or to transport their party guests around town. As long as you manage the demands of traffic congestion, flight delays and important customers, you will continue to be in business. When you have a problem with your limo, you need to be able to fix it quickly and be back on the road as soon as possible.

You also need to be covered if a serious incident leaves you and your drivers exposed to a large liability claim. All of these issues make it important to have the right limo insurance in place.

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How Is Limousine Insurance Different?

Limousine 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 limo coverage may need to include:

  1. Personal injury limousine insurance: Personal injury insurance will cover the cost of accidents and injuries involving your limousine. This coverage can include medical bills, rehabilitation, lost wages and even funeral expenses. It will typically also cover you for pedestrian accidents, regardless of who is at fault.
  2. Uninsured and underinsured coverage: Uninsured/underinsured motorists insurance is an important coverage to consider including in your limousine insurance quotes. This coverage protects you in the event you or one of your drivers is in an accident caused by a driver who does not have adequate coverage to pay your costs. Many states make this insurance mandatory for limousine operators.
  3. Employment practices liability insurance: The limousine drivers for your car, van or limo should be covered by employment practice insurance. This type of insurance will protect your limousine company if one of your employees or chauffeurs accuses you of sexual harassment, discrimination or wrongful termination.
  4. Bodily injury insurance for limousine drivers: Whether or not your state requires bodily injury insurance, it is a good idea for your limo drivers to have this coverage in the event that they are at fault for an accident. The coverage will include legal fees if your limousine company is sued, as well as the more immediate medical and rehabilitation bills.
  5. Property damage liability: Your limousine insurance should include property damage liability to cover the cost of any property damage that you or your drivers cause while on the job. This portion of your policy will also cover the costs of legal fees, up to the limits of your policy, if the person with damaged property takes you to court.

How to Get Discounts on Limo Insurance

There are a few ways to get discounts on your limo insurance. Limo insurance companies may offer you various discounts depending on the specifics of your businesses. Some of the discounts you may qualify for include:

  • Discounts for insuring multiple vehicles
  • Claims-free discounts
  • Good driver discounts
  • Discounts for new business, and for renewing annually

What Kind of Limousine Insurance Do I Need if I Hire Drivers?

The type and amount of limousine insurance you need will depend on variables such as the size of your company, the size of your fleet and the number of drivers you hire. If you are a sole proprietor and you drive your own vehicle, your limo insurance quotes will be different from quotes for someone who has a fleet of cars or vans.

If your company hires drivers, you will need to satisfy state regulations for your limo insurance. These regulations typically include requirements for employment liability, bodily injury coverage and property damage liability. You will also be subject to workers compensation requirements. Contact a local independent agent who specializes in commercial auto insurance for complete information on the requirements in your state.

Below are links to other limousine associations as well as some industry links.
LCT – Limousine & Chauffeured Transportation Magazine

Limousine Associations

P.O. Box63993
Phoenix, AZ 85082-3993
UNITED STATES
Contact: Barry Beall
Phone: (602) 347-7825
Fax: (602) 595-7931

 

P.O. Box 7339
Denver, CO 80207
UNITED STATES
Contact: Jody Cohen
Phone: (303)243-3900

 

4341 West Mockingbird Lane (Suite 201)
Dallas, TX 75247
Contact – Don Hammond
800-789-4847
214-351-7020 fax

 

P.O. Box 19793
Atlanta, GA 30325
UNITED STATES
Contact: Kari Dickson

 

P.O. Box 371
New Baltimore, MI 48047
UNITED STATES
Contact: Steve Pixley
Phone: (734) 330-1056
Fax: (517) 423-9203

 

8726 South Sepulveda Blvd. #2317
Los Angeles, CA 90045-0082
UNITED STATES
Contact: Jonna Sabroff & Alan Shanedling
Phone: (866) 392-4252
Fax: (310) 943-6582

 

P.O. Box 944
St. Charles, IL 60175
UNITED STATES
Contact: Sharyl DeWane & Jim Miller
Phone: (630) 377-9133
Fax: (630) 513-0349

 

4403 Kiln Court
Louisville, KY 40218
UNITED STATES
Contact: Carey Fieldhouse
Phone: (502) 458-1862
Fax: (502) 458-3608

 

P.O. Box 1934
Bellaire, TX  77402
UNITED STATES
Contact: Joe Jordan
Phone: (832)564-5795

 

Limousine Association of New York, Inc.
537 West 20th Street
New York, NY 10011
UNITED STATES
Contact: Bob Verdi
Phone: (212) 249-8400
Fax:

 

5 Azalea Drive
Lumberton, NJ 08048
UNITED STATES
Contact: Barry Lefkowitz & Tim Rose
Phone: (609) 267-2855
Fax: (609) 267-8420

 

176-25 Union Turnpike #433
Fresh Meadows , NY 11366
U.S.
Contact: Sergio A. Sanchez
Phone: (516) 741-4455

 

P.O. Box 20179
Baltimore, MD 21284
UNITED STATES
Contact: Joanna Fridinger, President
Phone: (410) 663-7000
Fax: (410) 668-0627

 

MCTA (Minnesota Chauffeured Transportation Association)
P.O. Box 11261
Saint Paul, MN 55111-0261
UNITED STATES
Contact:
Phone: (952) 400-6631
Fax:

 

Box 666
Elk River, MN 55330
UNITED STATES
Contact: Michael Hanowski
Phone: (763) 241-9320
Fax: (763) 241-4067

Commack, NY 11725

UNITED STATES
Contact: Douglas Schwartz
Phone: (516) 887-4577

 

P.O. Box 842
Durham, NH 03824
UNITED STATES
Contact: Rick Szilagyi & Michael Pazzaneze
Phone: (866) 736-6352
Fax: (866) 616-6352

 

New Orleans Livery Association
P.O. Box 9022
Metairie, LA 70055
UNITED STATES
Contact: Dean Schuler
Phone: (504) 390-7915
Fax: (504) 837-5607

 

1 Powers Drive
Castle Hayne, NC 28429
UNITED STATES
Contact: Carolyn Henson
Phone: (910) 799-4484
Fax: (910) 602-3859

 

1403 Gypsy Lane
Niles, OH 44446
UNITED STATES
Contact: William Murphy, Jr. & Rosemary Wilson
Phone: (330) 652-8089
Fax: (330) 652-4653

 

#10 Sunbeam Avenue
Toronto, ON M3H 1W7
CANADA
Contact: Craig McCutcheon
Phone: (866) 700-6562
Fax: (416) 638-1680

 

P.O. Box 653
Richboro, PA 18954-0653
UNITED STATES
Contact: Philip S. Jagiela
Phone: (215) 322-4114
Fax: (215) 396-2772

 

309 S. Cloverdale Street, C-2
Seattle, WA 98108
UNITED STATES
Contact: Tom Stotler
Phone: (206) 323-3232
Fax: (206) 768-1233

 

4911 Turner Road
Richmond, VA 23234
UNITED STATES
Contact: Glenn Stafford
Phone: (804)714-0075
Fax: (804)342-1075

 

P.O. Box 23341
Washington, DC 20026-3341
UNITED STATES
Contact: Paul Rodberg
Phone: (301) 622-5800
Fax: (301) 622-6301

 

P.O. Box 270219
Tampa, FL 33688
UNITED STATES
Contact: Dave Shaw
Phone: (727) 381-5466
Fax: (727) 302-9306

 

17023 County Road F
Kiel, WI 53042
UNITED STATES
Contact: Mike Hartman
Phone: (920)773-2270
Fax: (920)773-3946

Email

NLA
National Limousine Association
49 S. Maple Avenue, Marlton, NJ 08053
p. 800-652-7007 |
F. 856-596-2145 |
E. info@limo.org

TLPA
Taxicab, Limousine & Paratransit Association
3200 Tower Oaks Boulevard, Suite 220
Rockville, MD 20852
P. (301) 984-5700
F. (301) 984-5703
E. info@tlpa.org

Chauffeur Driven Magazine
1002 Lincoln Drive West, Suite B
Marlton, NJ 08053
P. 856.334.1990
F. 856.231.1808
E. info@chauffeurdriven.com

LCT Magazine
Limousine, Charter & Tour
Magazine
3520 Challenger Street
Torrance, California 90503
P. (253) 983-0515
F. (253) 983-0516
E. info@lctmag.com

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