Whether you’re an owner-operator or run a fleet of limousines, our experienced team is here to help you secure the insurance coverage you need to operate legally and confidently.
We provide quotes that cover both fleets and individual drivers.
All quotes are tailored to your specific needs, offering comprehensive coverage without unnecessary extras. Our team of experts works with you to match you with an insurer that balances risk management with reliable transport coverage.
Why You Need California Limo Insurance
For limousine operators and drivers, insurance coverage isn’t optional. California law requires it. But a legal obligation isn’t the only reason to purchase insurance. After all, running a limo service is inherently risky.
A comprehensive policy ensures you’re fully covered in case of an accident and provides:
- Legal compliance. If you operate a limousine, you are required by law to carry specific types of insurance to cover passengers, pedestrians and other drivers on the road. You must meet the state’s minimum requirements to ensure compliance with regulations and avoid costly fines.
- To protect passengers. The safety and well-being of your passengers is a top priority. Insurance provides essential coverage in the event you are in an accident. It ensures they receive the necessary medical support and care.
- Financial protection. The cost of medical care, vehicle damage and liability claims can cause significant financial hardship. The right insurance coverage provides financial protection in case of an accident.
California Limo Insurance Requirements
The State of California requires all passenger carriers to have adequate liability protection and to file their coverage with the Commission’s License Section in electronic format.
Any limousine service that hires employees must also have workers’ compensation coverage by law.
It goes without saying that limo drivers must also have commercial auto insurance.
These are just the basic requirements for California limo service insurance. You may also need additional coverages or policies, depending on the vehicle’s:
- Age
- Size
- Value
- Location
Minimum coverage requirements and past driving history may also impact your coverage requirements and choices.
What California Limo Service Insurance Covers
We help customers find insurers and policies that meet their unique needs. Coverage includes standard coverage as well as optional add-ons that extend your risk protection.
Generally, limo insurance in California includes the following:
- General liability. Provides financial protection for critical areas of your business against liability claims.
- Physical damage. Covers the repair or replacement of your insured limo or limousines. Certain coverages can also protect against the cost of damage caused by fire, theft, vandalism and other perils.
- Garage liability. Does your limo business include a repair facility or garage? This coverage protects against property damage or bodily injury that may arise in your day-to-day operations.
- Bodily injury and property damage liability. Accidents happen, even when drivers are safe, experienced and well-trained. This liability policy provides compensation for damage and injuries to other property or vehicles.
Who We Help Obtain Limo Insurance in California
A one-size-fits-all policy is rarely the right choice for anyone in the transportation industry, especially limousine operators.
Our team listens to your needs and helps you find a policy that covers all of your risks, whether you’re a limousine driver or a limo company.
A limo company that needs coverage for an entire fleet has very different needs from an owner-operator transporting customers to and from LAX or to special events.
The first step to getting a policy that covers all of your bases is to tell us about your needs. Our team of experts will help you find a coverage solution that limits your risks.
Why Limousine Companies Choose Us
Our team of experienced insurance experts helps customers find the right policy and insurer to meet their unique needs and risks.
Limo drivers and fleet owners across California trust us because we offer:
- Customized policies that meet your individual needs. We help you build a policy that’s tailored to your unique needs and has the coverage you need to protect your business.
- Multiple payment options. We accept a wide range of payment methods. Choose the one that’s most convenient for you and your business.
- Premium service. Our team is here to help guide you through the process of obtaining a comprehensive policy. Claims are addressed quickly to help you get back on the road in no time.
The limousine business is inherently risky. We help you obtain the insurance you need to cover all of your risks.