Limousine Insurance

Finding limousine insurance is one thing. Finding a limousine insurance agency – with experienced auto insurance agents that know exactly what they are doing when it comes to limo coverage – is a rarity.

If you have owned a luxury vehicle company for any number of years, you know exactly what we are talking about. Sedans, Stretch Limos, Luxury SUVs, High-Value Luxury Vehicles, and Airport Cars all have different features and can be tricky to get insurance if you do not know what to ask for. Depending on where your luxury vehicle company operates, who you contract with, and what type of filings are required for your city and state, there is a laundry list of details involved with insuring a for-hire limo company.

But that is why we are here, to help get those vehicles insured and keep your luxury vehicle company on the road and operating at your fullest potential.

American Business Insurance Services currently insures over 40,000 public and commercial autos nationwide. We have over 35 years of experience providing customized limousine insurance solutions for all types of livery businesses, from owner/operators to fleets with hundreds of vehicles. Because we have been doing this line of insurance business exclusively for so long, we have relationships with a multitude of limo insurance carriers, unlike any other company.

Let us take a closer look at some of the reasons why American Business Insurance Services is unique...

Accurate Coverage

Let’s face it, you are taking the time to research limousine insurance because you are looking for the best limousine insurance coverage at the lowest price around. Finding limousine insurance can be a time- consuming process, but that is why we are here! Instead of shopping around to multiple companies, we do the all of the limousine insurance comparison and research for you. From the second our licensed limousine insurance broker picks up the phone, we jump right into problem- solving for you. Everything relies on getting you the right coverage.

  1. If you are in a state, like California, where the Public Utilities Commission regulates limousine companies, we work with you to gather important details in order to verify that we have met their filing requirements.
  2. Contract providers (such as airports, hotels, municipalities and other companies that provide business to you) have luxury vehicle company insurance coverage requirements. We are usually familiar with their mandatory coverages, but if we there is any part of the coverage with which we are not familiar, we will most definitely research the code and make sure it is proper before we bind your luxury vehicle coverage.
  3. If you travel out of state, the Department Of Transportation also comes into play. We do all the footwork on this as well and get you off and running with the limits they need you to operate under.
  4. We also do our best to match your expiring vehicle insurance coverage. If you have a current luxury vehicle company insurance policy, we will look at everything side-by-side to ensure we are not missing anything. Your liability, uninsured and underinsured motorist, personal injury protection, medical, physical damage and deductibles are all quoted to your exact specifications.

Thorough Loss History Reviews

Just the term “loss history” can leave a lot of our customers scratching their heads. What is loss history? Why do I need my loss runs? Why can’t you just quote without them? Every day we get these questions. Your loss history is simply a piece of paper that the auto insurance company can print from their computer system, and it shows all the important details of any accident you have had while you were insured with that luxury vehicle insurance company. If you have had no claims with them, everything will print out with zeros. Trust us, you want zeros. Loss run totals are a lot like golf; the lower the number, the better your game… except this game is livery insurance.

Now, just because you have some claims with some potentially big numbers next to them does not mean all is lost. A huge part of our job at American Business Insurance Services is to review the details of these claims reports and figure out the big picture so that we can show our underwriters why you deserve the best pricing. For instance, you could have an Uninsured Motorist claim from two years ago that paid out at $30,000. This type of claim is attributed to some other party either causing a hit-and-run where there was no way to prove they had insurance, or the other party hit you and it is confirmed that they had no auto insurance coverage. So, it was not your fault and we can tell by the type of claim it was. On our watch, we pay close attention to these types of claims to make sure they do not count against you when our carriers price your limousine insurance or other luxury vehicle company insurance. This is the type of thing that other, less experienced insurance agents do not know to look for, and it can end up costing you big time.

Shopping You Out

This should be a no-brainer, and you would think all insurance agencies would do this, but we shop you to multiple limousine insurance carriers for the best pricing. Only an independent brokerage like ours can do this. If you happen upon a limousine insurance agency with only one carrier, and that carrier increases your rate on renewal, guess what – you are searching for another insurance agency. We excel at being a one- stop shop for your limousine insurance needs. Not only can we shop your liability coverage, but we can provide valuable additional coverages such as General Liability, Excess Liability, Bundled or Stand-Alone Physical Damage, you name it! Not only is shopping built into our DNA as limousine insurance brokers, our brokers are highly motivated to get you the best rate every time. We know that you have choices, so in order to keep our clients, it is simply a matter of integrity, and to a certain degree, survival for us. This is why our insurance agency lasted so long in the ever- changing limousine insurance space. Any client that has been with us usually comes back. They come back for the pricing, the service, and the professionalism that we have offered for over 35 years.


Last but not least, we are as fast as the industry allows us to be. Now, this is not to say that we are always as fast turning quotes around as some of these personal lines companies are, but for limo insurance, we are very fast. Once we have presented our quote and you decide that you want to come on board, that is when the real speed comes in! We have the most advanced payment and signature proposal in this limousine insurance industry. You can have your coverage paid and signed in seconds. After we receive the limousine insurance paperwork from you, our goal is to have your Auto Identification Cards & Certificates of Insurance to all parties within an hour. Then, once your policy is in place, we have a state-of-the art online management system where you can manage your drivers, vehicles, print certificates and ID cards all in real-time. No other public auto insurance carrier in the industry has this.

So, what are you waiting for? Call, email or fill out the form on this page for a free limousine insurance quote, and put us to work for you!