Limousine Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Limousine insurance is a specialized form of commercial auto insurance that provides coverage for public livery, which is the for-hire transportation of people or goods. Because limousine policies are so specialized, businesses should work closely with an agent who specializes in this type of insurance when choosing coverage.

While this insurance is suitable for most limousine businesses, it isn’t necessarily ideal for taxis and ride-share drivers. Although taxi and ride-share services also fall under public livery, these businesses frequently have slightly different coverage needs and are often better protected with a slightly different policy. A specialized agent will likely be able to help taxi and rid-share drivers find an alternative policy that’s well-suited for them.

General Liability Coverage
Personal Injury Limousine Coverage
Bodily Injury Coverage for Limousine Drivers

What is Limousine Insurance?

Providing limousine services can be rewarding and profitable work, but it comes with certain risks. Limo businesses in Massachusetts generally need to protect themselves from potential vehicle damage, car accidents, personal injuries and more. Limousine insurance may help protect against risks like these.

What Businesses in Massachusetts Need Limo Insurance?

Most businesses that provide limousine or chauffeur services in Massachusetts probably need limo insurance. This includes businesses that cater to corporate clients, celebrities, the general public and most other customers. It also includes businesses both large and small, ranging from statewide businesses that have fleets in multiple cities to sole proprietors who operate a single vehicle.

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
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Mark Anderson

Marketing Director
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Mark Anderson

Marketing Director

What Types of Vehicles Does Limo Insurance Cover?

Limo insurance is normally able to cover most of the different vehicles that limousine companies use. Policies are widely available for traditional limos, stretch limos, SUV limos, limo busses, SUVs, town cars and other types of vehicles.

What Coverages Do Limo Insurance Come With?

In order to provide robust protection, most limo policies come with multiple coverages that get packaged together. The exact coverage options that a policy makes available can vary, but there are many protections that are commonly offered:

General Liability Coverage, which might cover slip-and-fall (non-car) accidents and other basic risks
Personal Injury Limousine Coverage, which might cover non-driver injuries sustained in car accidents
Bodily Injury Coverage for Limousine Drivers, which might cover driver injuries sustained in car accidents
Property Damage Liability Coverage, which might cover damage to clothes’ property that’s sustained in car accidents
Uninsured and Underinsured Coverage, which might cover accidents caused by other drivers who aren’t properly insured
Employment Practices Liability Coverage, which might cover employment-related accusations made by workers

There are still other coverages that may be helpful to a business. An insurance agent can help businesses review all of their options.

How Much Do Limousine Policies Cost?

Limousine policies’ premiums are based on multiple factors and often vary. A business’ location, fleet size, vehicle type, driver history and other items may all be considered during underwriting.

Even with variance among policy premiums, however, coverage tends to be affordable. It’s almost certainly more affordable than forgoing insurance, and possibly facing legal consequences or losses without protection.

How Can Limousine Businesses Save on Insurance?

There are several ways that limousine businesses may be able to lower their policy premiums.

First, businesses can check for potential discounts. Insurance companies sometimes offer discounts for insuring a fleet of vehicles, remaining claims-free, hiring good drivers, being a new customer or renewing a policy.

Second, businesses can hire experienced drivers who have pristine driving records and require drivers to complete safe driving courses. These qualifications may help businesses get a good-driver discount or secure lower premiums regardless of any discount.

Third, businesses can explore policy options with the aid of an independent insurance agent. An independent agent isn’t tied to any one insurance company, so they can compare policy options from several companies. This makes it easy to identify which policy offers the coverages that a business needs at a competitive rate.

How Can Limo Businesses in Massachusetts Get Limousine Insurance?

For help insuring a Massachusetts limo business, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have worked with many businesses that need different types of commercial auto insurance, and we have the expertise necessary to make sure you find a limousine insurance policy that’ll give your business solid protection.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.