Limousine Insurance

Limousine Insurance

Also Insuring Lawrenceville, Roswell, Buford, Duluth, Snellville & surrounding areas in Georgia

Ready to Protect Your Limousine Company

Securing the right insurance for your limousine business is essential to cover your operations, your employees and your clients properly. The experienced team at Guardian Insurance can help those in Metro Atlanta, Georgia and Tennessee get the policies that best suit their operations. Contact us today for more information.

How Limousine Insurance Works

Limousine insurance consists of several policies that cover your limousine(s) and your business. When purchasing these policies, an insurance company agrees to provide payments after covered events in exchange for a premium. To receive this financial assistance, policyholders may work through the claims process.

What Coverages Do You Need for a Limousine Service?

States laws may mandate that limousine services carry specific types and amounts of insurance. Check with your agent to ensure you are meeting the applicable requirements.

Commercial auto insurance is essential as it contains crucial coverages for limousine businesses, vehicles and their drivers. Commercial auto insurance may include the following:

  • Liability insurance—This may help pay for losses and associated legal fees if your limo business is responsible for an accident. Minimum amounts of liability insurance are often required by law. Policies may provide:
    • Bodily injury liability coverage can help pay for third-party expenses (e.g., medical bills) after suffering a bodily injury.
    • Property damage liability coverage can help pay for the damage to others’ property.
  • Comprehensive coverage—This may provide payments if an incident other than a collision (e.g., vandalism, animal strikes or severe weather) damages your business’s vehicles. It may also provide coverage if your business vehicles are stolen.
  • Collision coverage—This can help pay for repairs if a collision with another vehicle or object damages your limo.
  • Uninsured/underinsured motorist coverage—This may provide coverage if the driver of the other vehicle is at-fault in an accident and doesn’t carry auto insurance or doesn’t have high enough limits to cover the resulting liability expenses.
  • Medical payments coverage—This may provide payments for your driver’s and their passengers’ medical expenses after an accident involving your business’s vehicles.

Your limousine operations should also consider other policies or endorsements to supplement your commercial auto insurance. These additional coverages include:

  • Custom parts coverage
  • Business interruption insurance
  • Commercial property insurance
  • Employment practices liability insurance (EPLI)
  • Gap insurance
  • Garage liability insurance
  • Replacement cost vehicle coverage
  • Roadside assistance
  • Workers’ compensation insurance

Contact your agent to discuss your risk profile. We can help ensure you have the right coverages in place and discuss options, limits and exclusions.

How Much Does Limo Insurance Cost?

Numerous factors impact your limousine insurance costs, including the types and amounts of coverage you select, your location, driver history and the value, type and size of the limousines to be insured. Reach out to our agency for a quote.

Contact Us

Guardian Insurance is ready to help your business secure optimal insurance. Contact us today to get started.

The team at Guardian Insurance, Inc., is ready to help out. Give us a call at 855.554.6482 or request a free online quote! We proudly offer bi-lingual services.

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