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There are a number of different types of insurance coverage you may need to fully protect your limousine business. When you work with an independent agent like Crosswinds Insurance Agency, you have the benefit of advice from an insurance professional who understands your business and the convenience of having all your coverage needs handled under one roof.
The limousine insurance companies we sell through offers 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:
Liability: Covers expenses resulting from an accident you or an employee causes, including:
Bodily injury to another person
Property damage to another person’s property
Medical payments: Covers hospitalization and other medical expenses for you or your employees, and any passengers in your vehicle
Uninsured/underinsured motorist: Covers bodily injury and property damage you or your employees and passengers incur if an uninsured or underinsured motorist caused the accident.
Collision coverage: Covers your vehicle when another object or vehicle causes damage.
Comprehensive coverage: Covers “other than collision” perils such as weather damage, theft and vandalism.