Black Car and Limo Insurance

Your black car and limousine customers turn to you for reliable service, whether to get them to the airport or to transport their party guests around town. As long as you manage the demands of traffic congestion, flight delays, and important customers, you'll likely enjoy a great reputation and a lot of new and repeat business. 

Remember that you'll need to be covered by limousine and black car insurance (usually commercial auto insurance) to protect your business if you or one of your drivers is involved in an accident. Most importantly, you need coverage that protects you from a large liability claim. And you'll also need coverage for when your own vehicles are damaged or totaled.  

An independent insurance agent can help you find the best limo insurance for your needs. Local agents can obtain quotes from multiple insurance carriers, so you can choose the best policy for your needs and budget. 

What Is Black Car and Limo Insurance? 

Black car and limo insurance, in the form of commercial auto insurance, protects your business with liability and physical damage protection for vehicles used for business, namely cars (including limousines), trucks, and vans. 

Commercial vehicle insurance is similar to personal auto insurance, but its coverage and cost reflect the added risks that commercial vehicles usually have. 

Most insurance companies will have certain requirements to qualify for black car and limo insurance, such as: 

• Length guidelines for stretch vehicles
• Age requirements (vehicles beyond a certain age may not qualify)
• Coverage limits and deductible requirements

In addition, your state may have certain requirements for commercial auto insurance, and specifically for limo insurance. Your independent insurance agent can help you make sure you're in compliance. 

What Does Black Car and Limo Insurance Cover? 

Commercial auto insurance for limousine services will offer at least liability coverage as mandated by your state.

• Bodily injury liability coverage: Helps pay for other drivers’ and passengers’ injuries when the policyholder is at fault in an accident. 
• Property damage liability coverage: Pays for damage to someone else’s property when you are at fault for that damage (i.e., another party’s vehicle, a fence, etc.)

Liability coverage limits and deductibles will vary. What's more, you'll be able to add on several types of valuable optional coverage, such as:

• Collision coverage: Covers damage to your vehicle sustained in a collision, regardless of who was at fault. 
• Comprehensive coverage: Covers the cost to repair damage to your vehicle due to non-collision events such as hail, fire, and theft. 
• Uninsured motorist coverage: Covers your employee’s medical expenses and your vehicle’s damage following an accident caused by an uninsured or underinsured driver. 
• Towing and roadside assistance: Covers the cost of a service call if your company vehicle becomes disabled while it is out on the road. 
• Medical payments coverage: Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.

Your policy will list each of your vehicles with a separate set of coverage depending on its value and how it's used. Drivers with regular access to your commercial vehicles should also be named on your policy. 

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Why Do You Need Commercial Auto Insurance for Your Limo Business? 

You might think you only need a personal auto insurance policy for your limo, especially if you only operate one or two cars. However, any company that transports goods or people naturally has a greater liability risk (you're responsible not only for your own safety but also your drivers' and passengers' safety) and needs commercial auto insurance. To be clear, personal auto insurance specifically excludes coverage for transporting goods or people. 

What Does Black Car and Limo Insurance Cost?

The cost of your black car and limo insurance is influenced by the following factors:

• Location of the vehicles
• Value of the vehicles
• Age of the vehicles
• Number of vehicles you own and use
• Driver history
• Coverage needs

An independent insurance agent can help you shop around to find the best-priced limo insurance that also fits your coverage needs. 

How Can an Independent Insurance Agent Help You Find Black Car and Limo Insurance? 

Independent insurance agents are not tied down to one carrier. They can get commercial auto insurance quotes from multiple insurance companies and help you explore which sets of coverage are best for your needs. 

Local agents are knowledgeable, helpful, and there for you for the life of your policy. Independent agents can help you with all of your personal and business insurance needs.