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Black Car and Limousine Insurance
Coverage for luxury car service businesses
Customized auto insurance for black cars and limousines
From everyday airport runs to special occasions, your clients trust you to deliver a seamless experience. Keeping your black car and limo service on the road starts with coverage built for your business.
That's where we can help. As the #1 commercial auto insurer in America,* Progressive Commercial offers specialized black car and limo insurance for your transportation business. Start an online quote to explore your coverage options.
What is black car and limo insurance?
Black car and limo insurance is a type of commercial auto insurance known as for-hire livery coverage. It's designed to protect businesses that use limousines and other luxury vehicles to transport passengers. Because these vehicles aren't hailed on the street or at taxi stands, luxury transportation companies typically need different coverages and limits than traditional taxi services.
Why black car and limo insurance is important
Transporting passengers comes with unique risks, from accidents to liability claims. Black car and limo insurance helps protect your drivers, vehicles, and passengers while meeting state-required coverage. The right policy plays an important role in safeguarding your operations and supporting long-term success.
For example, if you or one of your drivers causes an accident, your policy can help pay for medical expenses, vehicle repairs, and legal fees.
Who needs black car and limousine insurance?
If you run a for-hire livery business, you need limo and black car insurance. This includes businesses such as:
- Limousine rental companies
- Executive car services
- Airport shuttle buses
- Party bus rentals
- Hotel shuttles
- Tour or charter buses
What does limousine insurance cover?
Limo insurance can include a range of commercial auto coverages, depending on your policy. Liability coverage is typically required and helps pay for damage and injuries you cause to others in an accident. You may also want to consider:
- Comprehensive: Covers broken glass, vandalism, theft, and damage from acts of nature.
- Collision: Pays for damage to your SUV, black car, or limo if it collides with another car or object.
- Medical payments: Helps cover medical expenses for injured passengers.
- Hired auto: Provides liability coverage if you lease, rent, or borrow a vehicle not listed on your commercial auto policy.
You can explore commercial auto insurance options by state to learn more.
What's not covered by limo insurance?
Insurance for a limo service doesn't protect you from every risk. Common exclusions in commercial auto policies include:
- Driving without a valid license
- Drivers not listed on policy
- Normal wear and tear
- Illegal or criminal activity
Black car and limo insurance requirements
The city, municipality, or state where you operate may have specific insurance requirements for for-hire livery services, such as higher liability limits. Check your local laws to understand what's needed and make sure your business stays compliant.
In addition to these requirements, insurance companies consider several factors when setting up black car and limo coverage, such as:
- The vehicle's length: Stretched vehicles may have specific guidelines that affect coverage.
- The age of the vehicle: Older vehicles may have eligibility restrictions or be excluded from coverage.
Our commercial auto insurance specialists can help get the right coverage for your black car or limo service.
Commercial auto insurance for luxury rideshare drivers
Some exclusive luxury rideshare programs might require a commercial insurance policy with specific coverage levels. If you drive for one, we can walk you through your options. Call us today or start a free livery quote online.
Black car and limousine insurance vs. standard commercial auto insurance
Black car and limo insurance is for-hire livery insurance that's designed for the specific risks you face when transporting passengers. It provides higher liability limits and protections in case of passenger claims. Standard commercial auto insurance covers vehicles used for general purposes, like deliveries, service calls, or employee transport.
How much is black car and limo insurance?
Several things affect black car and limo insurance costs. For example, premiums may vary between suburban areas and large cities, and there's often a difference in cost between an older sedan and a new stretch limo. Insurers also consider factors such as:
- Location
- Number of vehicles
- Vehicle value
- Vehicle size
- Driver history
- Coverage needs
With Progressive Commercial, you may be eligible for discounts that can help minimize your commercial auto insurance costs.
Get a black car and limousine insurance quote with Progressive Commercial
Progressive Commercial offers flexible options and competitive rates for black car and limo insurance. Start a quote tailored to your business today, or call to speak with an expert agent who can help you find the right coverage.
Livery insurance is available in many areas. Learn more about livery insurance in your state.
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