Limo Insurance

Commercial Limousine & Livery Insurance Coverage

Running a limousine or livery service comes with unique risks. At Crosswinds Insurance Agency, we help limo operators protect their vehicles, drivers, passengers, and business with insurance solutions designed specifically for commercial transportation services.

As an independent insurance agency, we work with multiple insurance carriers to help you find coverage options that fit your operation — whether you operate a single vehicle or manage a growing fleet.

Why Limo Insurance Is Important

Limousine services transport people, often for special events, corporate travel, and airport transfers. Because passengers are involved, insurance requirements and risk exposures are higher than standard auto insurance.

Proper limo insurance helps protect your business from:

Accidents involving passengers or other vehicles
Bodily injury and property damage claims
Uninsured or underinsured motorists
Medical expenses following a covered accident
Financial losses that could disrupt your operation

Having the right coverage in place can also help meet state and contract requirements.

Common Coverages for Limo and Livery Services

Commercial Auto Liability

Commercial auto liability coverage is required in most states for limo operations. It helps cover bodily injury and property damage if your vehicle is involved in an accident where you are legally responsible.

Physical Damage Coverage

Physical damage coverage includes:

Collision – damage caused by an accident with another vehicle or object
Comprehensive – protection from non-collision losses such as theft, vandalism, fire, or weather

This coverage helps protect your investment in your vehicles.

Uninsured and Underinsured Motorist Coverage

If your limo is involved in an accident caused by a driver who does not have enough insurance, this coverage helps protect your drivers and passengers.

Medical Payments Coverage

Medical payments coverage can help pay for medical expenses for drivers and passengers after a covered accident, regardless of fault.

Additional Coverage Options to Consider

Depending on your operation, you may also want to consider:

General Liability Insurance
Workers’ Compensation
Commercial Umbrella Insurance
Hired and Non-Owned Auto Liability

These coverages help address risks beyond the vehicle itself and support a more complete insurance program.

Working With an Independent Insurance Agency

Every limo business is different. Vehicle types, passenger capacity, driving radius, and usage all impact insurance needs.

As an independent agency, Crosswinds Insurance Agency:

Reviews your operation and exposures
Compares coverage options from multiple carriers
Helps you understand how your policy works
Supports you with policy changes, certificates, and questions

Our goal is to help you make informed insurance decisions — not to sell one-size-fits-all coverage.

Frequently Asked Questions

Do limo companies need commercial insurance?

Yes. Limousine and livery services typically require commercial auto insurance and additional coverage due to passenger transportation and state regulations.

What vehicles qualify for limo insurance?

Coverage can apply to traditional limousines, luxury sedans, SUVs, party buses, and other vehicles used for for-hire transportation.

Do you insure fleets and single vehicles?

Yes. Coverage options are available for both owner-operators and multi-vehicle fleets.

What areas do you serve?

We assist limo businesses throughout North Carolina, South Carolina, Georgia, Florida, Tennessee, and surrounding areas.

Request a Limo Insurance Quote

If you operate a limousine or livery service and would like to explore coverage options, we’re here to help.

Contact Crosswinds Insurance Agency to request a quote or discuss your insurance needs with our team.