Limo insurance is a specialized commercial auto policy covering for-hire passenger transportation. Core coverages include commercial auto liability ($1.5M-$5M CSL), hired and non-owned auto, uninsured/underinsured motorist, medical payments (MedPay), comprehensive, collision, and general liability. These coverages protect against third-party injuries, property damage, passenger medical costs, vehicle damage, and non-vehicle-related business claims.
Unlike standard commercial auto, limo insurance addresses the unique risks of transporting paying passengers — higher liability exposure, passenger injury claims, and regulatory compliance requirements. Review your state-specific requirements: Tennessee, Georgia, North Carolina.
