Limousine Services Insurance
Innovative Limo Insurance Options That Will Keep You on the Move
Limousine and livery insurance is commercial auto coverage for California operators who carry passengers for hire, typically written at higher liability limits than everyday business driving. It usually includes commercial auto and passenger liability, physical damage on your vehicles, general liability, and workers’ compensation once you have employees, and often ties into CPUC filing requirements.
When you drive passengers for hire, your coverage needs to match the responsibility you carry. Whether you run one vehicle or a fleet, we help California operators build coverage that reflects the passengers in your care and the rules you operate under.
Coverages limousine and livery operators usually need:
- Commercial auto liability at higher limits, the core coverage for passenger transport.
- Passenger liability, for injuries to the people you carry.
- Physical damage coverage, for your vehicles.
- General liability, for exposures beyond the vehicle itself.
- Workers’ compensation, required in California once you have any employees.
Who needs it? Operators running one vehicle or a growing fleet who carry passengers for hire.
How we help: We help you line up commercial auto coverage that fits your operation and supports the filings your permit may require. California charter-party carriers are regulated by the CPUC and generally need appropriate operating authority, such as a TCP permit, before carrying passengers for hire.
