Limousine Insurance in Al, PA, and NJ

Proper insurance is a critical aspect of any luxury transportation business. Limousine insurance provides protection and helps you safely deliver those you serve.
the back of a black car sits under neon lights and is hopefully covered by limousine insurance

What’s Limousine Insurance?

Limousine insurance or black car insurance is designed to protect luxury, for-hire vehicles. If you are transporting someone for a fee, you need limousine insurance.

At LAP, we cover luxury vehicles used for airport transportation, weddings, meetings, business travel, bachelor/bachelorette parties, proms, government transportation, and beyond.

Do I Need Limo Insurance or Livery Insurance?

When choosing which type of livery insurance to cover your vehicle, why you transport someone is not as important as how you’re paid and the type of vehicle you use.

Limo Insurance is different than taxi and NEMT insurance because coverage needs to protect your luxury vehicle.

Also, where taxis service random pick-ups and drop-offs, limos and black cars transport passengers from point to point and are paid a pre-arranged fee.

Is It Expensive to Insure a Limousine?

Limousine insurance cost is custom. The cost will depend on several factors, including:

  1. Vehicle Make, Age, Value, Features, Etc.
  2. The Vehicle’s Length
  3. Number of Vehicles in Your Fleet
  4. Number of Drivers and Driver Experience
  5. Number of Passengers Your Vehicle Can Accommodate
  6. The State or States You’re Operating In
  7. Area You Service, With Rural Areas Being More Affordable Than Cities
  8. Your Company’s Driving History Including Past Claims
  9. Travel Radius

LAP RRG strives to provide affordable limousine insurance. In general, what we see is a range from $90 to $900 per month.

The cost of limo insurance varies more than other types of livery insurance because the vehicles involved can range tremendously. There’s a big difference between insuring a $50,000 Cadillac XTS and a $300,000 Bentley Mulsanne.

What Type of Insurance Do You Need for a Limo?

The type of insurance you need will depend on the requirements put in place by your company and also the state you operate in. Currently, we cover vehicles in Alabama, New Jersey, and Pennsylvania.

Limo Insurance Requirements in Alabama

Alabama is a fault state, meaning the person who caused the accident compensates all injured parties. Alabama requires limo drivers to carry a “split limit” based on the number of people the vehicle transports.

If your vehicle carries less than 5 passengers, the split is 25/50/10.

If you carry between 5 and 20 passengers, the split is 50/200/30.

If you were to purchase the minimum required limo coverage in Alabama, the “split limit” would look like this:

$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$10,000 for property damage

Beyond the minimums above, Alabama requires uninsured/underinsured motorist insurance.

Limo Insurance Requirements in New Jersey

New Jersey is a no-fault state, meaning your insurance is responsible for paying for damages regardless of who is at fault.

For limousines, the state requires $1,500,000 Combined Single Limit Liability Insurance (CSL). New Jersey also requires monthly proof of liability insurance. 

In New Jersey, the split depends on how many passengers your vehicle transports. For vehicles carrying between 1-12 people, the bodily injury split is 25/100, and the property damage minimum is 10/25.

Limo Insurance Requirements in Pennsylvania

Pennsylvania, like New Jersey, is a no-fault state. 

The minimum insurance required again depends on the capacity of your vehicle. For 15 passengers or less, Pennsylvania has a $35,000 minimum split coverage.

If you purchase the state minimum, the split looks like this:

  1. $15,000 for bodily injury per person
  2. $30,000 for bodily injury per accident
  3. $5,000 for property damage per accident

Pennsylvania also requires $25,000 first-party medical benefits and $10,000 first-party wage loss benefits.

What Happens To My Coverage If I Drive Across a State Line? 

When we write your policy, please plan to discuss the primary state you intend to drive in a well as other possible states. In general, LAP’s policies will adjust to match the state limit as you cross borders. For example, let’s say you’re driving in Alabama, and you cross into a state with a higher state limit. In that case, your policy will adjust to match the state you’re driving in. 

Please note that some states have interstate coverage requirements for crossing state borders while transporting people. It’s important to check with us and create a plan to stay within your coverage territory. 

About LAP’s Limo Coverage

As you can see, requirements for limousine insurance vary wildly by state, which is why we are here to walk you through the process and make it as simple as possible.

LAP’s limo coverage includes:

  • Fleets of 12 or More Vehicles
  • Passenger Seating of 8 or Less
  • Named Driver Policy
  • Every Licensed Driver Considered
  • 3 Years Favorable Loss Runs
  • New Ventures Considered
  • Limits Up to 1.5M

Been Refused Elsewhere?

It’s not abnormal to be refused coverage as insurance requirements are often stiff and lack adaptability.

While coverage can’t be guaranteed, every licensed driver is considered at LAP RRG. We take a holistic look at the situation.

What Should I Look For When Shopping for Limo Insurance?

When buying Limo Insurance, arm yourself with the questions below.

  1. What experience do you have with insurance requirements specific to limousines?
  2. What resources or tools do you provide beyond insurance to invest in our company’s success?
  3. What insurance should I consider and why?
  4. Who will my insurance be with
  5. Can I get immediate coverage?

LAP’s Response

Our answers to the questions above are what set LAP apart from others in our industry.

  1. We have 35 years of experience in the transportation industry.
  2. LAP goes beyond insurance by providing you with technology to monitor driver behavior, positively impacting insurance premiums. Our Livery Tech includes a world-class dashcam, GPS tracking, and fleet management software.

At LAP, we know that the process of navigating limousine insurance and regulatory bodies can be challenging. That’s why our team carries over 35 years of transportation industry experience.

We appreciate the demands of operating a transportation company. Give us a call and let us help you find ways to protect your vehicles and people. Our experience allows us to identify what others easily miss.

Need LIMO Insurance?

Why not check with an insurance company backed by transportation industry experience.

Let LAP use our 35 years of experience to protect your fleet.

Please fill out the form below and we will get back to you shortly.