Save up to 30% on your business insurance

Ride in Style with Limousine Insurance Coverage!

Are you ready to elevate your limousine business insurance protection? Let Coverage Cowboy create a custom package for you that covers everything from passenger liability to property protection to collision coverage.

Keep your limousines on the road with the limousine insurance solutions that Coverage Cowboy provides. We’ll make sure you’re covered from any bumps in the road that you may face.
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Limousine businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is an important coverage for limousine services. It provides financial protection if a customer is injured or property is damaged while using your service. It also covers associated legal expenses and can help cover the cost of any awards or settlements.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must-have for limousine businesses. It provides coverage for vehicles used for business purposes, including limos, vans, and buses, in case of accidents, vandalism, theft, or other damages. It can also help protect businesses from liability if someone else is injured in an accident involving one of their vehicles.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is a must for any limousine business. It provides financial protection for employees injured on the job by covering medical expenses and lost wages. It also protects the business from potential lawsuits from employees or their families. This type of insurance is required in most states and helps keep limousine businesses compliant with regulations.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for limousines to protect their physical assets. It covers damage to the vehicle, its interior, and any equipment due to fire, theft, vandalism, and other disasters. It also covers lost income if the limousine has to be out of commission due to a covered event. This type of insurance is especially important for limousine owners who need to cover any repairs or replacements for their vehicles.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Limousine business insurance

How does business insurance protect me?
Our limousine service insurance is designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Accidents involving your vehicles
One of your drivers gets in an accident while driving a client to the airport. Your commercial auto coverage would help pay for damages and medical expenses.
Injuries and damage involving your business vehicles
A passenger spills wine on the upholstery of your limousine. Your physical damage coverage will help pay for repairs to the vehicle’s interior.
Personal injury to passengers
A passenger trips and falls while getting out of the limo, injuring their ankle. Your general liability coverage would help pay for medical expenses and legal fees if the passenger decides to sue.
Property damage
While parking, a driver accidentally hits a fence, causing damage. Property damage liability coverage will help pay for repair costs.
Employee-related incidents
One of your employees slips and falls in the garage, injuring their back. Workers’ comp coverage can help cover medical bills and lost wages.
Theft or damage to your vehicles
Your limousine is stolen from the garage. Comprehensive coverage would help pay for replacement costs.
Business interruption
A fire destroys the garage where you keep your limousines, and you can’t operate your business while it’s being repaired. Business interruption coverage can help replace lost income and cover expenses while you’re unable to operate.
With limousine service insurance, you can have peace of mind knowing that your business is protected from unforeseen events that can put your business operations and finances at risk.”
What do I need to get an insurance quote?

Getting a limousine insurance quote is smooth sailing! To kick things off, gather the following information about your limo business:

  1. Business name and contact information
  2. Location of your base of operations
  3. Number and types of limousines in your fleet
  4. Estimated annual revenue and payroll
  5. Number of employees, including drivers
  6. List of your key assets (e.g., vehicles, office equipment)
  7. Types of services offered (e.g., airport transfers, weddings, special events)

With these details at your fingertips, you’re all set to request a tailored insurance quote for your limousine business. Our team is here to help you find the best coverage at the right price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.