Where do I find insurance for my limo business?

120 Comments 8.4k Views

Answers (1-10)

I would check with an Independent Agency/Broker, we have companies for most all business types.

We write a fair amount of various transportation companies from trucking to non emergency and medical transports and others. If you are in NY the insurance markets will be limited compared to other states. We are in NY so we are used to working closely with our carriers and understand what they are looking for to provide their best pricing. 

Progressive has a great commercial auto department.  If you use it for personal AND commercial, State Farm has a policy for that.  Thanks.

Call Don Warren with DNI Services,LLC in Decatur, GA. I have carriers that specialize in offering coverage just for limo businesses.

Don Warren @ xxx-xxx-xxxx or [email address]

I recommend working with an independent agent/broker that has several insurance companies they can right with to find the policy that best fits your needs (there's a reason the majority of the commercial insurance market is handled in the independent space.)

Being a limo (or any for-hire livery) it may be a little more leg work (for example some of my insurance carriers ask for paper applications for underwriting to review, meaning I can't do an electronic quote over the phone like I could for something like a landscaping truck). 

Two insurance carriers that come to mind are Progressive and Berkshire Hathaway Homestates, but there are inevitably more insurance carriers that would do this type of business and your local broker may have access to these and/or others. Either way, a good broker will work to find you the most competitive option they can.

Hi friend, there's a monopoly managed by Lancer Insurance, on the range of $10K per vehicle, per year, if you find something better, please share that info.

Limos are a submission only class.  will need to call and get information in order to provide a quote.

Join Your Local
Business Network

Connect & get quality referrals
from Small Business Owners