How to Insure Your Limo Fleet for Events, Rideshare, and More
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 11
- 2 min read
Whether you're transporting wedding parties, corporate clients, or VIP guests, limo companies face unique risks. From traffic accidents to liability claims, your fleet and drivers must be protected with the right insurance. A single incident could result in costly damages, legal issues, or loss of reputation—making limo fleet insurance a must-have for any professional transportation business.
At Wexford Insurance, we specialize in business insurance for transportation-related companies, including limo services. Whether you're a new venture, owner-operator, or managing a fleet, we help you find the right coverage to keep your business secure and compliant.
What Does Limo Insurance Typically Cover?
A comprehensive limo company insurance policy includes several key coverages:
Auto Liability Insurance – Covers bodily injury and property damage caused by your vehicles.
Physical Damage Truck Insurance – Protects your limousines from collisions, theft, vandalism, and natural disasters.
General Liability Insurance – Covers non-driving-related incidents, such as passenger injuries during entry or exit.
Uninsured/Underinsured Motorist Coverage – Protects you if another driver causes an accident and lacks sufficient insurance.
Workers’ Compensation – Required if you have employees, this covers medical expenses and lost wages due to work-related injuries.
How to Choose the Right Limo Insurance
Here are a few tips to help you select the best commercial limo insurance for your business:
1. Consider Your Services
Do you offer luxury event transportation, airport transfers, or rideshare services? Each type of service comes with different risks and coverage needs. Wexford Insurance helps tailor your policy to match your business model.
2. Evaluate Fleet Size and Vehicle Types
Whether you operate stretch limos, SUVs, or executive sedans, your insurance should reflect the value and usage of each vehicle. We work with both owner-operators and large fleets to ensure proper protection.
3. Bundle Coverage for Better Rates
Combining auto liability, physical damage, and general liability under one provider can reduce costs and simplify management. Wexford Insurance offers bundled packages designed specifically for limo companies.
4. Stay Compliant With State Regulations
Limo businesses must meet specific insurance requirements depending on the state and type of service. Wexford Insurance ensures your policy meets all legal standards, helping you avoid fines and delays.
Final Thoughts
Your limo fleet is more than just a set of vehicles—it’s your brand, your business, and your promise of luxury and safety. With the right limo fleet insurance, you can protect your investment and deliver exceptional service with confidence.
Contact Wexford Insurance today to get a customized quote and expert guidance for your limo business.
