Limo, Taxi, and
Livery Insurance
Coverage designed to protect vehicles that are used by businesses that generate revenue from transporting people including limousines, luxury automobiles, buses, taxis, and more.
Let us provide a livery insurance quote that matches your specific risks.
Did you know?
Motor vehicles transport goods and people more than 2.9 billion miles on the road, each year.
A livery car can be a limousine, a taxi, or any vehicle used to transport people.
Protect Your Business with Livery Insurance
For-hire livery insurance is a type of commercial auto coverage designed to protect businesses that transport people on a for-hire basis such as limousines, town cars, buses, taxis, and more.
Livery drivers have exposure to different risks than other types of commercial auto policies.
Types of For-Hire Livery Insurance
The most common types of livery insurance include:
- Black car insurance
- Limousine insurance
- Taxi insurance
- Shuttle insurance
- Non-emergency medical transportation insurance (NEMT)
- Party bus insurance
- Charter bus insurance
- Motorcoach insurance
- Rideshare insurance
Our transportation advisor understands the legal insurance requirements of airports and city authorities for livery and taxi companies.
We will help you find coverage that meets your specific needs while staying compliant and within your budget.
Transportation Specialist
Nathan Spears
Transportation Advisor
Nathan has been a commercial lines insurance specialist for over 15 years. Licensed in all 49 states in the Continental U.S., Nathan currently represents a multitude of niche-specific carriers and exclusive programs tailored to your business needs.
Learn more about Nathan from Nashville.
F.A.Q
If you own—or are thinking of owning a livery type service— speak with our Transportation Advisor, Nathan, for help on finding the right coverage at the right price for your business.
What does livery insurance cover?
Typically, coverage includes:
- Auto liability
- Collision and comprehensive coverage
- Uninsured motorist
- General liability
- Workers’ compensation
What are the exclusions of livery insurance?
Livery insurance does not cover you for every kind of loss.
Such exclusions include:
- Theft
- Unauthorized use
- Driving outside the region(s)
Who needs livery insurance?
If you operate a business that generates revenue from transporting people, then you need livery coverage.
Several types of businesses that need livery insurance include:
- Limousine services
- Taxi services
- Black car services
- Bus services
- Motorcoach services
- Commuting services
- Shuttle services
- Rideshare services
Whether you work for yourself, Uber, or an airport, we can insure your vehicle with coverage to match your specific situation.
What are the benefits of for-hire livery insurance?
If you drive for-hire, there are benefits to carrying livery insurance including:
- Collision coverage
- Comprehensive coverage
- Higher liability limits
- Helps cover gaps in your auto insurance policy
How much does livery insurance cost?
There are several factors that go into determining the cost, but typically livery insurance can range anywhere from $5,000 – $10,000, per year.
The following variables go into determining how much coverage will cost including:
- Location of operation.
- Vehicle type, make, model, and year.
- Amount of coverage selected.
- Drivers driving history.
- Drivers age and experience
- Prior coverage or lack thereof.
- Claim history.
Livery insurance is often regulated at a city level so the cost and requirements for coverage may vary significantly.
How to lower livery insurance premium.
Consider the following if you are looking for ways to lower the insurance premiums for your livery business.
- Hire reliable and experienced drivers.
- Require all drives to take a safe driving course.
- Maintain a good driving record.
- Bundle your coverage.
- Request to pay a higher deposit upfront.
*Discounts vary and may not be available in all states and situations.
Additional Coverage
Personal Auto
Your car is a vital part of your daily life, so you need an insurance policy that protects you from where the road takes you.
High-Value Home
Our experienced team will work with you to identify, assess & manage the unique set of risks that come with owning a high-value home.
Business Umbrella
Broaden your coverage and increase your liability limit on your underlying policies.
