Airport transportation contracts require commercial auto liability (
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M depending on airport and vehicle size), 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, physical damage, and primary/non-contributory language. Some require umbrella coverage up to $5M–
Insure Limos | Commercial Transport & Luxury Livery Insurance
0M total.
What insurance does LAX require for ground transportation?
LAX requires:
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M–$5M auto liability CSL depending on vehicle class,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M general liability, additional insured endorsement naming Los Angeles World Airports, primary/non-contributory language, workers' compensation for W-2 employees, and physical damage on all permitted vehicles.
What insurance does SFO require for ground transportation?
SFO requires:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability CSL,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M general liability, additional insured naming San Francisco International Airport, primary/non-contributory endorsement, and workers' compensation for employees.
What insurance does JFK/LGA require for ground transportation?
JFK and LaGuardia (operated by Port Authority of NY/NJ) require:
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M general liability, additional insured naming the Port Authority, and workers' compensation. NYC TLC licensure is also required for most JFK/LGA ground transportation.
What is primary/non-contributory language and why do airports require it?
Primary/non-contributory means your insurance responds first to any claim, and the airport's own insurance does not contribute. This protects the airport's insurance program from being triggered by your operations. It is required by LAX, SFO, JFK, ORD, MIA, and most major US airports.
Frequently Asked Questions
What insurance is required for airport transportation contracts?
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$5M auto liability,
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M general liability, additional insured endorsement for the airport authority, primary/non-contributory language, workers' compensation for W-2 employees, and physical damage on permitted vehicles.
What auto liability does LAX require?
LAX requires
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M–$5M CSL depending on vehicle class. All permitted operators must add LAX as additional insured with primary/non-contributory language.
What is an additional insured endorsement for airports?
An endorsement adding the airport authority as an insured on your policy so they can 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 airports require proof of workers' compensation coverage as a permit condition.