Limousine Insurance

You need limousine insurance to protect against the financial liabilities and risks associated with accidents, damages, and injuries that may occur during the operation of your limousine service. It’s also a legal requirement in most jurisdictions for operating a commercial transportation business.

XINSURANCE can provide insurance solutions for all types of limousines so long as they are scheduled on your policy, including:

• Stretch Limos – A long-wheelbase luxury sedan or saloon car, usually driven by a professional chauffeur.
• SUV Limos – These are stretched SUVs that offer more space and often more luxurious features than traditional limousines.
• Limo Bus (Party Bus) – A large motor vehicle usually derived from a conventional bus or coach but designed and modified into a luxury vehicle meant for entertaining and partying on the go.
• Town Car Limousines – Traditionally, these are luxury sedans with a slightly extended wheelbase for added passenger room and comfort in the rear seats.
• Hummer Limousines – These are a type of SUV limousine made from stretch Hummers. They are popular for their rugged style and spacious interiors.
• Classic Vintage Limousines – These are antique or vintage cars that have been preserved or restored and are often used for special events like weddings.
• Convertible Limousines are a less common type. They have a retractable roof and are used mostly for special events in good weather.
• Sedan Limousines – Typically understated compared to stretch limousines, these vehicles offer luxury transport for smaller groups.
• Stretch Pickup Truck Limousine – A unique type of limousine that is derived from a pickup truck being extended to accommodate more passengers.
• Novelty Limousines – These limousines are made from non-traditional vehicles or are styled in an exceptionally unique way to attract attention or portray a certain theme.

Limousine insurance typically covers third-party bodily injury liability and property damage liability, physical damage to the limousine, and other liabilities that limo services and drivers may face.

Physical damage protection is an essential aspect of limo insurance. This coverage can pay to repair or replace your vehicles if they sustain significant accident damage. It also covers non-accident-related incidents like theft, vandalism, hail, or natural disasters.

Yes, you can obtain insurance for a single limousine. XINSURANCE can provide insurance solutions for independent operators or businesses with a single vehicle.

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Limousine insurance offers broader and more comprehensive coverage tailored to the specific needs of limousine services. This includes higher liability limits and coverage for passengers, which is not typically included in standard auto insurance policies.

Limo insurance can offer protection in the following scenarios:

• Your driver, while speeding to the airport to help your client catch a plane, runs a red light and collides with a pickup truck. Your liability insurance can cover the injuries and damage sustained by the pickup driver and his passenger, as well as if any of the parties decide to sue you.
• A driver of a limo you’ve leased to him causes an accident where the medical expenses exceed the limits of the driver’s policy. Your plan can provide additional liability coverage if you carry contingent auto insurance.
• While walking through the parking area, you notice that vandals have broken several windows in your limo fleet. If you have comprehensive coverage for physical damage insurance, it can pay to replace the windows.

The amount of coverage you need depends on various factors, including the size of your fleet, the type of services you offer, and the potential risks involved. It’s important to tell us the details of your operations to help determine the appropriate coverage limits for your business.

The cost of limo insurance varies based on factors like the number and types of vehicles, coverage limits, geographic location, the driving records of the chauffeurs, and more. It’s best to contact us and tell us more about your insurance needs so we can provide a personalized quote.