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For businesses and individuals

Limousine services are in business to transport their clients to their destinations on time — and safely. Although we usually associate limos with taking the rich and famous to star-studded galas, they have other uses as well. People rely on them for everything from business and airport transportation to traveling to and from fun outings like proms and bachelor parties.

Limos do spend a lot of time on the road, and their drivers must often navigate heavy traffic and challenging road conditions. Consequently, they face increased exposure to accidents. A severe injury or death resulting from a driver’s negligence could cripple a limousine service financially, or possibly put it out of business.

While limousine service insurance can protect these companies when a loss occurs, many “standard” insurers don’t offer it due to the significant risk exposure. If you’re having trouble finding coverage for your limo company, XINSURANCE can help.

limousine insurance for limo drivers and limo companies
limousine insurance for limo drivers and limo companies


XINSURANCE Offers Solutions to Insurance for Limousine Companies

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.”

What Does Limousine Insurance Cover?

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.

Limousine Insurance Coverage Scenarios

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.

Why Choose Us as Your Insurance Partner?

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.

How to Apply for Limousine Service Insurance

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.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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