LIMOUSINE INSURANCE

XINSURANCE is a full-service insurance partner that specializes in covering the most challenging risks — including limo services. We offer customized limo and black car insurance plans with liability limits of up to $10 million ($20 million via our reinsurance partners). You’ll get Tru Umbrella coverage that will give you peace of mind. If you’ve been non-renewed or canceled by your carrier, or if an extensive claims history causes other providers to say “no,” we’ll say “yes.”

XINSURANCE can help you obtain liability insurance that provides coverage if your drivers’ negligence causes an accident. Liability pays the medical expenses for third parties (the driver and passengers in the other vehicle) and offers lawsuit protection. Furthermore, it covers any third-party property damage resulting from the incident.

Another essential aspect of limo insurance is physical damage protection. This coverage pays 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.

Other available coverages include:

• Auto liability: Covers bodily injury and property damage caused by your vehicle.
• Auto physical damage: Covers damage caused by accident to your vehicle.
• Excess auto liability: This form of liability insurance provides additional coverage on top of that offered by an underlying policy. This protection can meet the needs of limo companies that have primary insurance with low liability limits.
• Communicable disease coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.

Please note that we don’t provide workers’ compensation insurance for limousine service providers.

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 will cover the injuries and damage sustained by the pickup’s 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. If you carry contingent auto insurance, your plan will provide additional liability coverage.
• While walking through the parking area, you notice that vandals have broken several windows in your limo fleet. If you have physical damage insurance with comprehensive coverage, it will pay to replace the windows.

At XINSURANCE, we’ll work with you to find customized limits, coverages and premiums that work for your company’s unique requirements. We’ll also deliver exceptional customer service to maximize your experience. You’ll get risk management help that will reduce the likelihood of a large claim. If you do need to file a claim, we’re available around the clock to take your call. And with our years of claims expertise, you can expect a fast, fair settlement with minimal hassles and red tape.

Our all-in-one insurance protection means you can cover all your liability exposures under one policy, giving you true peace of mind. With XINSURANCE, there’s no need to worry about coverage limitations, gaps or exclusions.

We’ve designed our application process to save time so you can focus on running your business. To start, fill out and submit our convenient online application form. Our underwriters will review the information, then contact you to set up a phone call. We’ll discuss the risk with you and answer your questions. After the call, we’ll provide a free quote. If you agree to the terms and pay the initial premium, your new limousine insurance policy will be issued.

Contact XINSURANCE to get your no-obligation quote today. If you already have a policy, we’ll be happy to review it and point out any gaps or exclusions that could leave you without essential protection.