Service Locations & Coverage Areas
InsureLimos is a California-licensed independent insurance agency (CA #6005562) specializing in commercial auto and liability coverage for passenger transportation companies. Our primary market is California — where we hold direct appointments with admitted carriers and specialty MGA programs underwriting limo, NEMT, TNC, paratransit, taxi, bus, and ambulance risks.
Our clients are transportation operators who need more than a standard commercial auto policy. A limousine company running late-night corporate transfers has different liability exposure than a Medicaid NEMT provider making hospital runs on a managed care contract. We build programs around those specific operational profiles — fleet size, vehicle type, driver history, regulatory filings (TCP permits, PUC authority, FMCSA DOT numbers), and loss history all factor into how we structure and place each account.
Beyond California, we are actively placing coverage in Nevada, Arizona, Texas, Florida, Illinois, Ohio, Michigan, and other states where our carrier relationships extend. For operators in states where we do not hold a direct license, we can often facilitate a referral to a vetted agency within our network that writes the same specialty programs.
The geographic pages below reflect markets where we have active quoting activity or established carrier appetite. Click any California hub for program-specific information, or use the state NEMT links to go directly to state-focused coverage pages. For any location not listed, call us — our underwriters make market-by-market decisions, and we may be able to write your risk regardless of geography.
California — Primary Market
California is our home state and core market. We write the full range of transportation programs here — limo, NEMT, black car, TNC, paratransit, taxi, airport shuttle, ambulance, and motorcoach — with admitted carrier access and TCP/NEMT filing capabilities.
Los Angeles
Southern California's largest transportation market. We write limo, black car, paratransit, NEMT, taxi, and TNC policies for operators serving LAX, the Port of Los Angeles, and the broader Los Angeles metro.
San Francisco Bay Area
Serving operators across San Francisco, Oakland, San Jose, and the East Bay. Heavy demand for TNC permit holders, SFMTA-regulated taxi fleets, Uber Black operators, and Medicaid NEMT contractors.
San Diego
A growing market for NEMT operators, airport shuttles, and limousine services in San Diego County. We place coverage with carriers that accept California TCP permits and NEMT Medi-Cal contracts.
Sacramento
Capital region operators including NEMT providers serving Medi-Cal managed care plans, paratransit fleets under regional transit contracts, and limousine companies serving the Sacramento International Airport corridor.
Uber Black — California Statewide
A dedicated program for California-licensed Uber Black and Uber Black SUV operators. Covers commercial auto liability, TCP permit compliance, and physical damage for luxury vehicles across all California metros.
Other States & Coverage Markets
We actively quote transportation insurance in the markets below. State NEMT pages include filing and regulatory information specific to each state's Medicaid program requirements.
Mountain & Pacific Northwest
- Denver
- Aurora
- Colorado Springs
- Seattle
- Tacoma
- Spokane
- Bellevue
- Portland
- Salem
- Eugene
- Salt Lake City
- West Valley City
- Provo
Texas
- Houston
- Dallas
- Austin
- San Antonio
- Fort Worth
- El Paso
Midwest
Southeast
- Miami
- Orlando
- Tampa
- Jacksonville
- Fort Lauderdale
- Atlanta
- Augusta
- Columbus
- Savannah
- Charlotte
- Raleigh
- Greensboro
- Durham
Northeast & Mid-Atlantic
- New York City
- Buffalo
- Rochester
- Yonkers
- Newark
- Jersey City
- Paterson
- Elizabeth
- Philadelphia
- Pittsburgh
- Allentown
- Erie