- What is it?
Limousine insurance can help protect California businesses in this industry from many covered risks that they’re exposed to.
- Who’s it for?
Most California businesses that offer chauffeur or limousine services and serve the general public, corporate clientele, celebrities, athletes, dignitaries and most other customers.
- What is offered?
- General Liability Coverage
- Personal Injury Limousine Coverage
- Bodily Injury Coverage for Limousine Drivers
- Property Damage Liability Coverage
Limousine Insurance in California
Livery companies specialize in the transportation of people – getting them from one destination to the next. Whether you run a limo, taxi or non-emergency transportation service, Truck Writers Insurance Services is dedicated to help you minimize exposures and costs.
We understand what it takes to get your vehicle on the road. Agencies that don’t understand your business and insurance requirements might steer you in the wrong direction which can severely hurt your business. Our specialists can help advise you on what to expect when getting your business started as well as helping those that are already in business.
Some common business we work with are airport shuttle, limousine, sight-seeing, wine and other tour, taxis and non-emergency medical transportation companies.
We can offer the following insurance products:
Here are just some of the vehicle types we can help with:
- Sedans
- SUVs
- Shuttle/Bus
- Stretch
- Passenger Vans
- Wheelchair Accessible Vehicles
- Stretcher Accessible Vehicles
- And More…
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What is Limousine Insurance?
Operating limousines comes with certain inherent risks, for operators must consider the risks of damage to a limo, injury to a client or a multi-vehicle accident. Limousine insurance can help protect California businesses in this industry from many covered risks that they’re exposed to.
Limousine insurance is specialized commercial vehicle insurance for public livery vehicles. Insurance companies take into account the value of these vehicles and the passengers they transport when underwriting policies, and make adjustments to coverages accordingly.
What California Businesses Need Limo Insurance?
Most California businesses that offer chauffeur or limousine services should carry limo insurance. This includes businesses that serve the general public, corporate clientele, celebrities, athletes, dignitaries and most other customers. It also generally includes businesses that drive town cars, limousines, stretch limousines, Hummer limousines, limousine busses and similar vehicles.
Notably, this insurance often isn’t suitable for taxi cab operators and rideshare drivers. Although taxis and rideshares have many similar coverage needs, they’re usually better served by a slightly different taxi insurance policy or rideshare insurance policy.
Businesses that are unsure which type of insurance is best for their situation should speak with an insurance agent who specializes in limo and similar insurance policies. A knowledgeable agent can help determine which of these three policy options is best for a particular situation.
What Coverages Are Available Through Limo Insurance Policies?
Limousine policies normally come with multiple coverages, which allow the policies to provide robust protection. Some coverages that these policies typically make available as standard or optional features are:
- General Liability Coverage: May cover basic (non-vehicle) accidents, false advertising claims and defamation lawsuits
- Personal Injury Limousine Coverage: May cover injuries to limousine passengers that are sustained during vehicle accidents
- Bodily Injury Coverage for Limousine Drivers: May cover injuries to drivers that are sustained during vehicle accidents
- Property Damage Liability Coverage: May cover damage to other vehicles, customers’ property or others’ property that’s sustained during accidents
- Underinsured and Uninsured Motorist Coverage: May cover accidents caused by drivers who don’t have adequate insurance
- Employment Practices Liability Coverage: May cover discrimination lawsuits filed by prospective, current or former employees
There are still more coverages that limo insurance policies might offer.
How Much Are Premiums for Limo Insurance Policies?
Premiums for limo policies vary significantly, because they’re based on many different factors. Some of the factors that can impact rates include the following:
- Number and classes of vehicles
- Year, make and models of vehicles
- Drivers’ experience and driving record
- Location of the business
Businesses can find out how much insurance will cost them by comparing policies with an independent insurance agent. Unlike captive brokers that prioritize one insurer, independent brokers are able to compare coverages and premiums across multiple insurers’ policies. This makes determining how much insurance will cost easy.
How Can Businesses Save on Limousine Policies?
While comparing policies with an independent agent is one of the best ways to find affordable insurance, there are a couple of other steps that businesses can take to save on limousine policies.
First, insurance companies offer a variety of discounts. Each insurance company decides what discounts it’ll offer, but many provide discounts for renewing policies, becoming a new customer, remaining claims-free and/or insuring a fleet of limousines. An insurance agent can make sure businesses get all of the discounts they qualify for.
Second, businesses can hire experienced drivers with clean driving records. These drivers are more likely to qualify for good-driver discounts, which are another category of rate reduction that man insurance companies offer.
How Can Businesses in California Get Limousine Insurance?
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