Limousine & Black Car

Black Car & Limousine Insurance

Black Car Insurance Done Right.

Protect your business like the premium service it provides.

If you run a black car or limousine company, you already know this isn’t “just driving people around.”

You’re transporting executives, wedding parties, VIPs, and high-expectation clients who assume professionalism at every level—including your insurance.

And when something goes wrong, the financial consequences can be massive.

We help black car and limousine operators across the country get insurance that actually fits how they operate—not some generic commercial auto policy slapped together by someone who’s never written livery business.

Why Black Car & Limousine Insurance Is Different

A lot of operators assume:

“I’ve got commercial auto—I’m good.”

But black car and limo operations come with unique risks that standard policies often miss or limit:

  • Passenger liability exposure

  • High-value vehicles

  • Hired, non-owned, or independent drivers

  • Airport permits and contract requirements

  • Strict coverage limits required by venues, hotels, and corporate clients

If your policy doesn’t line up exactly with how you run your business, you may not find out until after a claim—when it’s too late.

Who This Coverage Is For

This insurance is built for:

  • Black car transportation companies

  • Limousine operators (sedans, SUVs, stretch limos, Sprinters)

  • Chauffeur services serving executives, events, or airports

  • Luxury transportation companies with owner-operators or hired drivers

  • Businesses that contract with hotels, venues, or corporate clients

Whether you run one vehicle or a growing fleet, we’ll structure coverage that scales with you.

Real Questions We Get All the Time

Q: Isn’t black car insurance the same as rideshare insurance?
A: Not even close. Black car and limousine services fall under livery transportation, which carries different liability expectations, underwriting rules, and contract requirements.

Q: What if I use independent contractors instead of employees?
A: This is one of the biggest problem areas we see. Your driver setup directly affects liability, workers’ comp exposure, and how claims are handled. We’ll make sure your policy matches reality.

Q: Are passengers covered if there’s an accident?
A: Only if the policy is written correctly. Passenger liability limits are critical for limo and black car services, especially when transporting VIPs or large groups.

Q: Do venues or airports require specific limits?
A: Yes—often $1M to $5M+ in liability, plus certificates, endorsements, or additional insured language. We handle this all the time.

Q: What about high-value vehicles?
A: Luxury sedans, SUVs, and limos need properly stated values and physical damage coverage. We’ll make sure you’re not underinsured.

Q: Can you cover multiple vehicles and drivers under one policy?
A: Absolutely. Fleet or single-vehicle—we’ll structure it the right way.

What Makes Us Different

We’re an independent insurance agency, which means we’re not locked into one carrier or one way of doing things.

We work with multiple insurance companies that actually write black car and livery risks, and we understand how different underwriting approaches affect:

  • Driver eligibility

  • Coverage limits

  • Premium stability

  • Claims handling

And when you call us, you talk to a real person who understands the difference between a black car service, a limo operation, and rideshare.

No call centers. No guessing. Just straight answers and coverage that holds up when it matters.

Let’s Get Your Black Car Business Covered

Getting a quote is simple. Tell us about your vehicles, drivers, and how you operate—we’ll take it from there.

Whether you’re just getting started or tightening up an existing policy, we’ll make sure your insurance matches the level of service you provide.

Get a quote today and protect your business the right way.