Limousine Insurance

Specialty insurance solutions tailored to your unique needs.
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Premier liability protection for premier limousine services.

Your limousine embodies smooth rides, luxurious experiences, and unparalleled service. XINSURANCE matches this excellence by protecting your business with tailored liability insurance solutions.

What is Limousine Insurance?

Limousine insurance is a specialized type of coverage designed to protect businesses like yours from the unique risks you face on the road. Operating a limousine service involves not just the responsibility of navigating the streets but also ensuring the safety and satisfaction of those who trust your luxury transportation. In an industry where excellence and reliability are paramount, investing in real insurance rather than opting for cheap, inadequate policies becomes crucial.

Choosing real insurance with a trusted partner like XINSURANCE signifies a commitment to maintaining the highest standards of service and protection. It’s about making a wise investment in the future of your business and the safety of your passengers. Unlike cheap insurance options that may leave significant gaps in coverage, real insurance provides the peace of mind that comes from knowing you are properly covered. With the right insurance partner, you can focus on delivering memorable experiences to your clients, confident in the knowledge that your business is shielded against unforeseen liabilities.

Who We Can Help With Limo Insurance

  • Limousine Service Companies
  • Independent Limo Operators
  • Transportation Services
  • Limo Drivers
  • Luxury Car Hire Services
  • And More!
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Limousine Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Physical Damage

Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you or the limo driver regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or the limo driver regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Limousine Insurance

Why do I need 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.

What types of limousines are covered by insurance?

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.

What does limousine insurance cover?

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.

Can I get insurance for a single limousine?

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

Can I be insured if I've been dropped or rejected by an insurance company?

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.

What is the difference between limousine insurance and standard auto insurance?

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.

What are some examples of a limousine insurance claim?

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.

How much coverage do I need?

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.

How much does limo insurance cost?

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.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service