Protect your fleet, your clients, and your reputation. Standard commercial auto wasn't built for for-hire passenger transport — we build programs that cover paying passengers, client property, alcohol exposure, and the permit limits that keep you operating.
A+ rated carriers · Same-day certificates · Coverage bound in 24–48 hours
Limousine insurance is the foundation of every for-hire transport business — your clients trust you with their safety, their schedules, and their most important events, and one accident, lawsuit, or stolen item can threaten everything you've built.
A standard commercial auto policy wasn't designed for for-hire passenger transport — most exclude injuries to paying passengers, damage to client property, and alcohol-related incidents. Washington State and most airport authorities also require specific for-hire liability minimums, so the wrong coverage risks your permits, your airport access, and your ability to operate. See our business insurance options.
The right program covers passenger injuries, vehicle damage, client property, lawsuits, and lost income — and satisfies the licensing and permit requirements that let you keep operating legally. Per the National Limousine Association, proper coverage is a baseline standard for every for-hire operator in the U.S.
Whether you run one executive sedan or a fleet of stretch limousines, you need coverage built for for-hire transport.
Illustrative examples of how a for-hire exposure escalates when insurance is missing or improperly structured — and the coverage that closes the gap. Click through each.
Tell us how your transport business runs, and we'll assemble the coverages that typically apply — a starting point for your quote, no contact info required.
Every for-hire operator starts with for-hire liability, commercial auto, passenger medical, uninsured motorist, general liability, and business-income coverage.
Four steps to a program built for for-hire transport — and the service that keeps you compliant. Click through each.
Filter by type or search to see the full range of coverage we place for limousine and executive transport operators.
Since 1992 we've insured Pacific Northwest transport companies — we understand seasonal demand, Washington for-hire regulations, TNC endorsements, and the specific liability risks limousine operators face daily.
We represent carriers including Progressive Commercial, Travelers, and National Interstate — matching your operation with the best combination of coverage, price, and claims service, with fleet-discount pricing as you grow.
We keep your coverage aligned with SeaTac, Portland International, and venue-specific requirements — same-day certificates, additional-insured endorsements, and permit-filing support at no extra cost.
When accidents happen we manage the whole claim to minimize downtime and protect your reputation — and before you sign, we review venue, hotel, and corporate contracts so your coverage meets their requirements.
Get a customized proposal tailored to your fleet and operation — or leave your details for a callback from a for-hire transport specialist.
Leave your information and we'll reach out to discuss your limousine insurance needs.
Descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder, and the coverage builder is a starting point for discussion rather than a quote or coverage determination. The scenarios, premium ranges, and dollar figures shown are illustrative examples, not guarantees; actual coverage, limits, cost, and eligibility are governed solely by the terms, conditions, and exclusions of your issued policies and are subject to underwriting and state and permit requirements. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
