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Limousine Insurance in Pennsylvania

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What is limousine insurance? 


The luxury transportation industry can provide profitable opportunities, not to mention the possibility of meeting some high-profile customers. Driving limousines and other luxury vehicles comes with certain risks, though, and it’s important for Pennsylvania chauffeurs to protect against those risks when possible. That’s what limousine insurance can help with.

Limousine insurance offers specialized commercial vehicle insurance for high-end public livery vehicles. Policies are adjusted for the luxury vehicles that chauffeurs drive.

  • Who in Pennsylvania needs to have limo insurance?


  • Most Pennsylvania chauffeurs offering luxury transportation need limo insurance. Chauffers driving for celebrities, business people, public figures and prom-goers usually get this insurance.

    Moreover, chauffeurs in the industry normally need insurance regardless of their business size. Local boutique operators, statewide companies and individual chauffeurs all may purchase a policy.

Limousine Insurance Pennsylvania

What sort of vehicles can be insured with limo insurance?


Limo insurance can insure a variety of luxury public livery vehicles, including but not limited to limousines. Policies are readily available for classic limousines, extended stretch limos, limo buses, luxury SUVs and town cars.

The fact that policies are readily available doesn’t mean any one policy will automatically cover all of a chauffeur’s vehicles. Chauffeurs should work with an insurance agent who specializes in limo insurance, so they can make sure all of their vehicles are covered by a policy.

Limousine Insurance Pennsylvania

What insurance coverages are available for luxury public livery vehicles?


Insurance companies offer a variety of coverages for limousines and other luxury vehicles. Some important ones to consider are:

  • General Liability Insurance: May protect against non-automotive incidents resulting in injury or property damage. For example, would likely cover slip and fall accidents.
  • Personal Injury Protection: May protect customers and other passengers who are injured during an accident involving one of the insured vehicles.
  • Bodily Injury Coverage: May protect drivers who are injured during an accident while operating one of the insured vehicles.
  • Property Damage Liability: May protect against damage to others’ property that’s damaged during an accident. Both other vehicles and different kinds of property may be covered.
  • Uninsured/Underinsured Motorist Protection: May protect against accidents that involve another driver who doesn’t carry enough auto insurance to fully pay a claim.
  • Employment Practices Liability: May protect against claims made by employees for issues like discrimination or harassment.

Should luxury rideshare drivers think about getting a limousine policy?


Limousine policies are primarily for traditional professional chauffeurs, as in those who operate limousine businesses or other luxury transportation businesses. 

Rideshare drivers, even if they work trough a platform’s luxury service, typically don’t fall into this category. They simply don’t have the same insurance needs as a professional chauffeur who runs their own business.

Rideshare drivers should, however, still make sure they’re properly covered by insurance. An agent who’s familiar with limo policies should be able to assist with finding coverage for rideshare work too.

Should taxi drivers get limousine policies?


Taxi drivers typically also don’t need limousine policies. Although these are perhaps the most common and traditional public livery drivers, their coverage needs differ enough from luxury chauffeurs to require a slightly different insurance.

Taxi drivers generally should look for taxi insurance, which is something else that an agent who’s familiar with these sorts of policies can assist with.

Limousine Insurance Pennsylvania

How much does insuring a limousine cost?


The cost of insuring a limousine varies, as it depends on factors like the limo’s size, where the limo is kept, the driver’s record, and the business’s claims history. Insuring other luxury vehicles, such as limo buses, SUV limos and town cars can vary in price even more.

An easy way to find out how much insuring one limo or a fleet of vehicles is to consult an independent insurance agent. An independent agent will be able to compare quotes from several insurance companies, checking both coverages and rates.

Acri Insurance

How can Pennsylvania chauffeurs get limousine insurance?


For help finding limousine insurance in Pennsylvania, contact the independent insurance agents at Anthony Acri Insurance Agency. Our agents will work with you to determine specific coverage needs, and then show you the best available policies that provide those coverages. Together, we can make sure you, your business and your vehicles are well protected.

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