Insurance built for limo and livery operators
From wedding parties to corporate black-car accounts, we connect you with specialists who understand livery permits, passenger liability, and the coverage that keeps your fleet on the road.
What state & local licensing requires
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- A livery, black-car, or PUC/TLC permit before operating for hireRequired
- Commercial auto insurance with a livery-use endorsement and passenger liability limitsRequired
- Proof of insurance filed with your state or local transportation authorityRequired
Licensed Limo Or Livery Service Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What limos & livery need to be covered
Carrying passengers for hire brings a different level of liability than personal driving — a single accident with a car full of wedding guests or corporate clients can mean serious injury claims. Personal auto policies exclude livery use entirely, so the right commercial program is what keeps your permit valid and your fleet protected.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Where limos & livery get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksAt-fault accidents with passengers aboard
A crash carrying paying passengers exposes you to far higher injury claims than personal driving. Commercial auto with a livery endorsement covers passenger liability that personal policies exclude.
Operating without the right permit
Running without a valid livery/black-car or PUC/TLC permit — and the insurance filing it requires — can mean fines or a revoked license overnight.
Vehicle theft or vandalism
Stretch limos and party buses are high-value targets, especially parked overnight. Physical damage coverage helps repair or replace your fleet after a covered loss.
Driver injuries on long shifts
Late-night events and long corporate routes mean hours behind the wheel. Workers' comp covers your drivers if they're hurt on the job.
Why limos & livery can't skip coverage
- Most states and cities require a livery or black-car permit plus proof of commercial insurance with specific passenger liability limits before you can legally operate.
- Personal auto policies explicitly exclude livery use — carrying passengers for a fee — so a claim after an accident could be denied entirely without commercial coverage.
- Corporate accounts, wedding planners, and event venues increasingly require a certificate of insurance before they'll book your fleet.
By the numbers
$1.5M+
Avg. passenger liability limit required
40+
States requiring a livery permit
60+
Specialists in our network
Limos & Livery insurance FAQ
Commercial auto with a livery-use endorsement is the core requirement, plus general liability and workers' comp if you have drivers. Many states also set minimum passenger liability limits and require a livery or PUC/TLC permit.
Get matched with a limo or livery service specialist
Share a few details and a licensed agent who understands limos & livery will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state