What Types of Limo Insurance Do You Need?

With limo insurance, you may need to get a few different types to protect your business. Not all insurance policies are created equal, so understand the different types of coverage available and how they can protect you, your business, and your passengers. Learn about the different types of limo insurance you should consider.

Commercial auto liability insurance will always be one of the top types of coverage that you will need to get. It covers any third-party property damage or injuries resulting from an accident that is your fault. Without this coverage, you could be on the hook for a lot of money if something happens. 



It will also cover legal defense costs if you are sued due to the accident. Moreover, most states require this coverage to legally operate a limousine business. So, even if you are just starting, ensure you comply with all the rules and regulations.

Any business that involves transporting people has a responsibility to ensure the safety of its passengers. However, accidents can and do happen, regardless of how careful the driver is. That is why limousine businesses should have personal injury insurance.



This coverage provides financial protection if a passenger is injured while in your care. Whether a slip and fall in the back of the car or a more serious accident, personal injury insurance can help cover the cost of medical treatment and other related expenses.

According to research, about 1 in 8 motorists do not have auto insurance. Uninsured and underinsured motorist insurance protects you and your passengers if a driver who does not have insurance or does not have enough insurance to cover the damages causes the accident.



This coverage can help to cover medical expenses, property damage, and other costs of an accident. While this may seem unnecessary, this policy can be a lifesaver for any business that wants to avoid the financial burden of an accident.

Any business that has employees needs to have some form of employment practices liability insurance. This policy protects the business from claims related to wrongful termination, discrimination, sexual harassment, and other workplace misconduct.



Given the close quarters in which limousine drivers and passengers interact, such claims can be especially damaging to a business's reputation. An employment practices liability policy can help cover the costs of defending against such claims and any settlements or judgments awarded.

Physical damage auto insurance helps to protect the vehicles in your fleet from damage due to accidents, weather events, vandalism, and other unexpected incidents. If one of your vehicles is damaged, this type of insurance can help cover the repair or replacement cost. Without physical damage auto insurance, your limo business could quickly become overwhelmed by unexpected repair bills.

This type of insurance covers the medical expenses of anyone injured while in your limousine up to the policy limit. It also covers any legal expenses you may incur due to the accident.

Bodily injury insurance is different from personal injury insurance. Bodily insurance pays for passenger injuries if the limo driver is at fault. Personal injury insurance pays for injuries regardless of who is at fault.



Whether you are a new business owner or an experienced operator, ensure you understand the different types of coverage and how they can protect you, your passengers, and your vehicle. Contact us if you need more information or have questions about limo insurance. We look forward to serving you and your business so you can be safe out on the roads.