Limousine Insurance in Massachusetts

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Limousine Insurance in Massachusetts

What is limousine insurance?

Luxury transportation can be a well-paying way for professional drivers to earn their living, and it also affords opportunities to potentially meet celebrity customers. Like all driving, however, luxury transport isn’t without its risks. Limousine insurance can help luxury transport drivers in Massachusetts shield themselves from many of the risks they face.

Limousine insurance is a specialized form of commercial vehicle insurance designed specifically for luxury transport. Policies take into account the types of public livery vehicles that drivers have.

Limousine Insurance Massachusetts
Limousine Insurance Massachusetts

What drivers in Massachusetts is limo insurance right for?

Limo insurance is mainly for chauffeurs providing luxury transportation services in Massachusetts. Drivers who cater to celebrities, business professionals and public figures usually get a policy. Of course, policies usually cover driving guests for weddings, proms and other events too.

Moreover, drivers and businesses typically need a policy regardless of how large or small their fleet is. Owner-operators who are self-employed, local limo services, boutique black transport services, and statewide luxury transport companies all may get this type of policy.

What sort of vehicles can be insured with limo insurance?

Limo insurance covers a range of luxury public livery vehicles. Policies might cover classic limousines, limo buses, extended stretch limos, luxury SUVs, town cars and other high-end public livery vehicles. 

An insurance agent who specializes in limo policies will be able to help drivers find a policy that protects their vehicles well.

What insurance protections should luxury transport drivers look for?

Limo policies normally meet state coverage requirements and offer additional options Some of the coverages that these policies typically offer are:

  • General Liability Insurance: Usually covers accidents not related to driving, which result in injury or property damage to another party. For instance, this might cover a customer’s injury if they get hurt entering or exiting the vehicle.
  • Personal Injury Protection: Usually covers customers and other passengers who are injured in an accident while riding in the vehicle.
  • Bodily Injury Coverage: Usually covers drivers who are injured while operating an insured vehicle. This may also cover injuries to other vehicles’ drivers and passengers.
  • Property Damage Liability: Usually covers damage to other property that’s damaged in an accident. For instance, this may cover damage to other vehicles, and any nearby buildings or landscaping.
  • Uninsured/Underinsured Motorist Protection: Usually covers accidents involving another driver who lacks sufficient auto insurance to cover the full extent of a claim. This may also cover hit-and-run accidents.
  • Employment Practices Liability: Usually covers claims made by employees regarding issues like discrimination or harassment.

Should high-end rideshare drivers have a limo policy?

Most high-end rideshare drivers don’t need a limo policy. It may be wise to supplement any coverage afforded by the rideshare platform. This can more easily be done through a personal policy endorsement or rideshare insurance policy, however. There’s usually little need for an actual limousine policy.

Limousine Insurance Massachusetts

Should taxi operators have a limo policy?

The insurance needs of taxi operators are similar to those of limo drivers at many points, but there also are a few points of difference. Instead of a limo policy, taxi operators are often better off with a taxi policy.

How much does insuring a limousine cost?

The cost of insuring a limousine can vary significantly, depending on factors like the size of the limo, its storage location, the driver’s record, and the business’s claims history. Premiums for other luxury vehicles, including SUVs and town cars, also vary.

Comparing policy options with an independent insurance agent is the best way to get accurate pricing. Independent agents are free to request policies from several insurance companies.

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How can luxury chauffeurs in Massachusetts get limousine insurance?

If you operate a luxury transport business in Massachusetts, contact the independent insurance agents at Platinum Insurance. Our agents will work closely with you to determine coverage needs, and then help you find the best limousine insurance option that meets your business’s needs. Together, we can make sure your business and your vehicles are properly protected.