Limousine Insurance that will protect you, your drivers and your business
Your limousine customers expect reliable service from your, whether you are taking them from the airport or transporting them and their guests around town. Just like how you have insurance on your personal car, the vehicles you have for work must be insured as well.
When you have a problem with your limo, you need it fixed quickly to be able to get back on the road. You will need to be covered if a serious accident leaves you or your drivers exposed to a large liability claim.
As your independent insurance agent we will find you the best insurance policy at an affordable cost for your area. We will work with you to find a commercial auto insurance policy that will match your specific needs of limo services. Because your business involves transportation of people, you will need coverage that protects your passengers and coverage for if there is a liability claim.
Types of limo insurance you may need
Personal injury limousine insurance: This will cover the cost of accidents where injuries occur involving your limousine. It can include but is not limited to medical bills, lost wages and funeral costs.
Collision and comprehensive coverage: That is a straight-forward coverage that will cover the cost if there is an accident. Comprehensive coverage will cover the cost of theft, fire, vandalism and many other damages.
Uninsured and underinsured coverage: This provides coverage for if you are in an accident and the other driver is at fault but does not have sufficient coverage to pay the cost. This type of coverage is required in many states. Your agent will make you aware if it is required.
Employment practices liability: In the case of your company being accused of sexual harassment, wrongful termination or discrimnation, this type of insurance will protect your business.
Property damage liability: Property damage liability covers property damage that you or your drivers cause while on the job. This will go towards legal fees up to the limits of your policy if you are taken to court.
Ways to save on your limo insurance
- Hire experienced and qualified drivers with excellent driving records
- Maintain a good credit score
- Require all drivers to take a safety driving course
- Find discounts that you qualify for such as claims-free discounts
Professional Insurance Strategies will make sure your, your drivers and your business is properly covered. Request a quote today and we will find you the best policy at an affordable rate.