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We Protect
Your Fleet

LAP Commercial Insurance Company provides commercial automobile insurance to taxi, limousine, and paratransit transport companies in Alabama, New Jersey, and Pennsylvania. We combine the industry’s lowest rates with proven technology to empower your long-term success.

Our Difference


LAP addresses what the market has always been missing: Someone who understands the unique needs of the passenger transportation industry.


Risk Retention Groups are owned by their insured members. Yet, they are usually started by Insurance Producers who lack experience in operating a passenger transportation company.


We have over 35 years of experience operating passenger transportation vehicles and dealing with the unique insurance issues that permeate the industry. LAP’s experience is the difference.


You Deserve The Best Commercial Insurance

Backed by 35 years of Transport experience

Who We Protect


Life never stops moving in a taxi, and it can be stressful for owners to keep everything in check. That is why we have you covered with taxicab insurance personalized to your unique needs. Contact one of our experienced agents and discuss the many options we offer catering to the taxicab industry.


Limousine owners struggle to balance client expectations and safety while maintaining the appropriate limousine insurance required to operate legally. We help make that balance easier to achieve with our resources and expertise in the transportation industry. Contact one of our experienced agents today. Don't stress another minute—focus more on scheduling events and making money.


We realize the personal and professional responsibilities that come with transporting patients to and from medical facilities. Maintaining the proper paratransit insurance should not be another additional stressor. Patients, medical equipment, healthcare providers —you and your vehicles carry a heavy load. With that load comes the necessity of a comprehensive insurance policy that provides security even on the most hectic days. Reach out and speak with one of our experienced agents and find out what we can do for you.

The Technology to Run Your Business


When you purchase a policy with LAP Commercial Insurance Company, you receive experienced commercial auto coverage and technology to equip your business with tools to lower risks and increase profits.

Livery Cam

Livery Cam is a plug-and-play device that integrates with our GPS tracking platform to monitor driving behavior.

Livery Track

Livery Track enables Livery Cam to provide real-time tracking of your fleet and provides key data.

Livery Tech

Livery Tech taxi management software reduces overhead and provides automated management and features for drivers and passengers.

Get In Touch



Available from 8:00 AM – 4:00 PM EST 

Customer Testimonials

It has been a pleasure doing business with LAP. In my 20+ years in business, they are the only insurance company that gave me the tools to increase revenue. We've deployed the dispatch solution they gave us and can accommodate the same number of riders even with fewer cars on the road. Besides that fact, they also lowered my rates.

Latino Taxi
Elizabeth, NJ
After asking for a quote online, LAP assigned Lou from preferred risk as my agent. He really knows this business. I have a few great drivers who have been with me for 15+ years, and my last agent could not get them covered. Lou came to my office, met them personally, and approved them the same day. My only regret is not finding LAP and Lou sooner.

Amigo Taxi
North Bergen, NJ
Customer Service is second to none. LAP is the first company I have come across that understands that it is not one size fits all when it comes to issuing a certificate to the City. We operate in more than three cities, and each has its style of doing things. LAP understood this challenge and gave us exactly what we needed to get things done.

Taxi Service
Bridgewater, NJ


5151 Hampstead High St.
Montgomery, AL 36116

New Jersey

1921 E Elizabeth Ave.
Linden, NJ 07036


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