Limousine insurance for passengers, property and permits
Standard commercial auto wasn't built for for-hire passenger transport. We build programs that cover paying passengers, client property and alcohol exposure, at the permit limits that keep you operating.
A+ rated carriers · Same-day certificates · Coverage bound in 24–48 hours
Why standard auto policies fall short
Clients trust you with their safety, their schedules and their most important events. One accident, lawsuit or stolen item can put the business at risk.
A standard commercial auto policy
- Most exclude injuries to paying passengers
- Often excludes damage to client property
- Often excludes alcohol-related incidents
- May not meet Washington or airport for-hire liability minimums, putting permits and airport access at risk
A proper limousine program
- Covers passenger injuries and vehicle damage
- Covers client property in your care
- Responds to lawsuits and lost income
- Meets the licensing and permit requirements that let you operate legally, a baseline the National Limousine Association expects of for-hire operators
Built for every for-hire operation
One executive sedan or a fleet of stretch limousines.
Executive car services
Corporate transport, airport transfers and VIP ground transportation for business travelers.
Wedding and event limos
Stretch limos, party buses and luxury vehicles for weddings, proms and special occasions.
Corporate shuttles
Scheduled and on-demand employee shuttles, hotel courtesy vehicles and campus transport.
Wine tours and charters
Wine-country tours, brewery circuits and sightseeing charters with passenger alcohol exposure.
Airport transfers
SeaTac, Portland and regional airport pickup and drop-off services requiring airport permits.
Black car and TNC premium
Uber Black, Lyft Lux and independent black-car operators providing on-demand luxury rides.
Hotel and resort transport
Guest shuttles, resort transfers and hospitality-affiliated luxury ground transport.
Funeral and memorial
Family transport for funerals, memorial services and procession vehicles.
What happens without the right coverage
Illustrative examples of how a for-hire exposure escalates when insurance is missing or poorly structured, and the coverage that closes the gap.
A red-light runner hits a full limo
A stretch limo carrying eight wedding guests is struck by a red-light runner. Six passengers suffer injuries requiring surgery and long-term rehabilitation. Medical bills reach about $1.8 million and pain-and-suffering claims add about $1.2 million, for a total exposure of about $3.4 million. The operator carried a $1 million policy, which pays its limit and leaves the rest.
- Medical bills~$1.8M
- Pain-and-suffering claims~$1.2M
- Paid by a $1M policy$1M
- Left with the business~$2M
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your operation
Every for-hire operator starts with for-hire liability, commercial auto, passenger medical, uninsured motorist, general liability and business income. Tell us how you run and we'll add what typically applies. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
9 coverages — a starting point for a conversation, not a quote.
- For-Hire LiabilityPrimary defense against passenger-injury claims.
- Commercial AutoCollision, comprehensive and liability for the fleet.
- Passenger Medical PaymentsMedical costs for injured passengers, regardless of fault.
- Uninsured MotoristWhen an at-fault driver lacks enough insurance.
- General LiabilitySlip-and-fall and incidents outside the vehicle.
- Business InterruptionLost income when a vehicle is out of service.
- Workers' CompensationRequired for chauffeurs and support staff.
- Garage KeepersClient property and valuables in your care.
- Commercial UmbrellaExtra limits for airport, venue and large claims.
From first call to certificate
Understand your operation
Vehicle types and fleet size, the services you offer, driver records, alcohol exposure and the airports and venues you serve, so the program matches your risk and permit requirements.
Go to for-hire carriers
We approach A+ carriers that write for-hire transport, such as Progressive Commercial, Travelers and National Interstate, with fleet-discount pricing as you grow. Coverage can typically be bound in 24 to 48 hours.
Build the program
For-hire liability, commercial auto, passenger medical, uninsured motorist and general liability, plus garage keepers, liquor and umbrella where needed, at limits that meet Washington and permit minimums.
Certificates and compliance
Same-day certificates for airport permits and venue contracts, additional-insured endorsements, permit-filing support, claims help and annual reviews.
Every policy a for-hire program may need
Filter by type or search for a specific coverage.
For-Hire Liability
$1M to $5M of coverage designed for passenger transport, your primary defense against multi-passenger injury claims that exceed standard commercial auto limits.
Commercial Auto
Collision, comprehensive and liability for limousines, executive sedans, SUVs and luxury vehicles across your fleet.
General Liability
$1M to $2M for slip-and-fall injuries and incidents outside the vehicle at pickups, drop-offs and event venues.
Commercial Umbrella
$1M to $5M of extra liability above your primary coverages for large judgments.
Passenger Medical Payments
Medical expenses for injured passengers regardless of fault, which reduces lawsuit risk and preserves client relationships.
Garage Keepers
Claims for client property, luggage, electronics and valuables in your care.
Uninsured Motorist
Protection when another driver causes an accident involving your passengers but lacks adequate insurance.
Liquor Liability
Alcohol-related incidents and social-host liability that standard policies exclude, important for wine tours and event transport.
Cyber Liability
Data breaches affecting client information, card data and online booking systems.
Hired & Non-Owned Auto
Employee personal vehicles used for business errands and rental vehicles used during fleet maintenance.
Business Interruption
Replaces lost income when vehicles are damaged, stolen or out of service for repairs.
Workers' Compensation
Mandatory coverage for chauffeurs and support staff, covering employee injuries, medical costs and lost wages.
Limousine insurance questions
How much does limousine insurance cost?
Can I use personal auto insurance for my limo business?
What liability limits do I need for limousine insurance in Washington State?
Do I need liquor liability coverage for my limo service?
How quickly can I get limousine insurance coverage?
Does limousine insurance cover rented or borrowed vehicles?
Brokers who know for-hire transport
For-hire experience
Since 1992 we've insured Pacific Northwest transport companies and understand seasonal demand, Washington for-hire regulations, TNC endorsements and the liability risks limousine operators face.
A+ carriers
We represent carriers including Progressive Commercial, Travelers and National Interstate and compare coverage, price and claims service, with fleet-discount pricing as you grow.
Airport and venue compliance
Coverage aligned with SeaTac, Portland International and venue requirements, with same-day certificates, additional-insured endorsements and permit-filing support.
Claims and contract review
We manage claims to reduce downtime, and we review venue, hotel and corporate contracts before you sign so your coverage meets their requirements.
Get your limousine insurance quote
A customized proposal for your fleet and operation. Prefer to talk first? Request a callback below.
Talk with a for-hire transport specialist
Leave your information and we'll reach out to discuss your limousine insurance needs.
We typically respond within one business day. You can also email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, 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. Scenarios, premium ranges and dollar figures are illustrative examples, not representations about any business. Coverage, limits, cost and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting and state and permit requirements.