Any vehicle used for for-hire passenger transportation requires livery insurance, including: executive sedans (Lincoln Town Car, Cadillac XTS), luxury SUVs (Escalade, Navigator, Suburban), stretch limousines, party buses, motor coaches, Sprinter vans configured for passenger transport, vintage and classic vehicles for hire, and shuttle buses. The common factor is carrying passengers for compensation — if people pay for the ride, you need livery coverage.
Each vehicle type has different premium characteristics. Sedans cost least to insure, while party buses cost most due to higher passenger counts and alcohol exposure risk. Specialty vehicles (vintage cars, modified stretches) may require stated value coverage. See Tennessee rates by vehicle type or get a quote from Bridgeway Insurance for your specific fleet.
