Commercial limousine insurance for sedan, stretch limo, and SUV operators. We write policies in 18 states with same-day certificates and CPUC TCP filings.
Auto Liability Coverage
Most states require
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M combined single limit (CSL) for sedans and stretch limousines. Vehicles carrying 8+ passengers require $5M. California TCP requires CPUC Form PL filed same-day on bound policies.
Physical Damage Coverage
Comprehensive and collision coverage for your vehicles. Agreed-value policies available for classic and custom limousines to prevent underinsurance at total loss.
General Liability
Insure Limos | Commercial Transport & Luxury Livery Insurance
M–$2M general liability covers slip-and-fall injuries at venues, property damage, and advertising liability. Most venues and hotel referral programs require this coverage.
Workers' Compensation
Required the moment you have one W-2 employee in California and most states. We verify 1099 vs W-2 status and provide the right coverage structure.
Frequently Asked Questions
How much does limousine insurance cost?
Limousine insurance costs $3,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
5,000 per vehicle per year depending on vehicle type, state, driver record, and fleet size. Standard sedans run $3,000–$5,000. Stretch limos run $4,000–$8,000. Party buses run $6,000–
Insure Limos | Commercial Transport & Luxury Livery Insurance
2,000.
What is the minimum auto liability for a limo company?
Most states require
Insure Limos | Commercial Transport & Luxury Livery Insurance
.5M combined single limit for 1–7 passenger vehicles. Vehicles carrying 8+ passengers require $5M. California CPUC enforces these minimums strictly.
Do I need TCP insurance in California?
Yes. Any California chauffeured carrier needs a TCP permit and must file CPUC Form PL. We file same-day on bound policies to keep your permit active.
Get a Limousine Insurance Quote
Quote in 2 minutes. Same-day filings. Expert guidance on limits & compliance.