What Insurance Is Needed for Airport Transportation Contracts?
Quick Answer
What Insurance Is Needed for Airport Transportation Contracts?
Airport transportation contracts require commercial auto liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M depending on the airport and vehicle type), general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), additional insured endorsement naming the airport authority, and a certificate of insurance on file. Most major airports also require workers' compensation for W-2 employees, physical damage on all vehicles, and primary/non-contributory language.
What auto liability limits do airports require?
LAX requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M–$5M depending on vehicle type. SFO requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M. JFK/LGA require
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M. O'Hare requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M. Requirements vary by terminal, vehicle class, and operator agreement. We obtain the exact COI specifications for your specific airport permits.
What is an additional insured endorsement and why do airports require it?
An additional insured endorsement adds the airport authority as an insured party on your policy. This means the airport can make a direct claim against your policy if they are named in a lawsuit arising from your operations. Nearly all major airports require this endorsement as a condition of ground transportation permits.
What is a primary/non-contributory endorsement?
Primary/non-contributory language means your insurance pays first before any airport authority insurance, and the airport's policy does not contribute to the loss. This protects the airport's insurance program and is required by LAX, SFO, JFK, and most major airports.
How do I get airport-approved insurance?
Contact InsureLimos at 1-888-254-0089. We work with operators at LAX, SFO, JFK, ORD, MIA, and over 50 other airports. We obtain the exact COI specifications from the airport's ground transportation office and issue the correct certificate on the same day your policy is bound.
Frequently Asked Questions
What insurance is needed for airport transportation contracts?
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability, general liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M), additional insured endorsement naming the airport authority, primary/non-contributory language, workers' compensation for W-2 employees, and physical damage on all vehicles.
What auto liability does LAX require?
LAX requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M–$5M combined single limit depending on vehicle type. Ground transportation operators must also add LAX as additional insured with primary/non-contributory language.
What is an additional insured endorsement for airports?
An endorsement that adds the airport authority as an insured on your policy, allowing them to make direct claims against your coverage if named in a lawsuit from your operations.
Do I need workers' comp for airport transportation?
Yes, for W-2 employees. Most major airport ground transportation contracts require proof of workers' compensation coverage.