Looking for Livery Insurance?
Protect your livery service from vehicle accidents, passenger injuries, liability claims, and property damage. Get coverage for limousine services, town cars, and executive transportation companies.
What is Livery Insurance?
Livery insurance protects for-hire transportation businesses from vehicle accidents, passenger injuries, property damage, and liability claims. Coverage includes commercial auto liability, physical damage, and for-hire passenger protection. State regulators, airports, and corporate clients require proof of insurance before licensing, permits, or contracts.
Commercial Auto Liability
Covers bodily injury and property damage resulting from accidents involving livery vehicles.
Passenger (For-Hire) Liability
Provides enhanced protection for passengers transported for a fee, often at higher limits required by regulators.
Physical Damage Coverage
Covers collision and comprehensive damage to luxury vehicles such as limousines, sedans, SUVs, and specialty transport.
Uninsured / Underinsured Motorist
Protects your drivers and passengers when accidents involve inadequately insured third parties.
Certificates
Fast proof of insurance for regulators, airports, venues, and corporate clients.
Who Needs Livery Insurance?
- Limousine services : Businesses requiring specialized insurance coverage
- Town car companies : Businesses requiring specialized insurance coverage
- Executive transportation providers : Businesses requiring specialized insurance coverage
- Luxury transport services : Businesses requiring specialized insurance coverage
Why Harper?
Luxury Transportation Expertise
Harper understands livery-specific risks: high passenger exposure, luxury vehicle values, and strict regulatory requirements.
Fast Proof for Licensing & Contracts
State agencies and corporate clients often require certificates immediately. We deliver them quickly.
Clear Regulatory Guidance
We explain state-mandated limits, airport requirements, and for-hire coverage differences clearly.
Fleet-Specific Coverage Design
Policies are tailored for sedans, SUVs, limousines, executive fleets, and specialty transport services.
Frequently Asked Questions
What insurance do livery services need?
Livery businesses typically need commercial auto liability, for-hire passenger coverage, physical damage for vehicles, and general liability. Workers’ compensation is required if you employ drivers.
Is livery insurance required?
Yes. States require commercial auto and for-hire liability coverage to obtain and maintain livery licenses. Required limits are higher than standard commercial auto policies.
How much does livery insurance cost?
Small operations generally pay $8,000–$20,000 annually. Larger fleets may pay $25,000–$100,000+ depending on vehicle count, passenger capacity, and service areas.
Does insurance cover passenger injuries?
Yes. Commercial auto and for-hire liability cover passenger injuries sustained during paid transportation services.
Does insurance cover luxury vehicle damage?
Physical damage coverage protects high-value vehicles against collision, theft, vandalism, and weather-related losses.
Can I add corporate clients as additional insureds?
Yes. Corporate and event contracts often require it, and Harper handles certificates and endorsements efficiently.