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Owning your own limousine is an excellent way to increase the value of – and profits from – your business. Whether you use your limo as a specialty, high-end car for hire to business professionals or you rent it out for high school dates and prom nights, the car is a big asset to your company.

Limousines are expensive vehicles that require a large investment of capital. If the limo is damaged in an auto accident, can your company afford to pay for the repairs? If the vehicle is destroyed completely, or stolen, can your company pay to replace it? These are just a few of the many reasons you need to carry commercial auto insurance on your company’s limousine. Here are the main types of insurance you’ll need:

Liability InsuranceLiability insurance is mandated by law in each state of the nation. This coverage is there to protect other people from suffering losses when your limousine causes an auto accident. This insurance also protects your company from costly lawsuits and litigation if your limo is at fault in an accident. Liability consists of two parts: Payments for physical injuries to people and payments for damages caused to other people’s property.

When you set up liability insurance coverage for your limousine you will choose policy maximum limits and an insurance deductible. The policy limits dictate the maximum amount of benefits your policy will pay for on a per accident basis. The deductible is the amount your company pays on a per accident basis. When minor accidents occur that do not cost more than your deductible for bodily injuries or property damages, you pay the bill instead of your insurance policy paying it.

Medical PaymentsMedical payments coverage is quite useful for company’s who hire out their limousine as a taxi or other transport service, because it protects the driver and all passengers involved in an auto accident. When an accident occurs, regardless of who is at fault for the incident, medical payments coverage will pay for the resulting medical bills. This insurance isn’t available in all areas. Contact one of our licensed representatives today to determine whether it is an option for your company’s commercial insurance needs.

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Physical Damage InsurancePhysical damages insurance protects your limo itself. It protects the limousine from damages and destruction, which protects your company from having to pay for repairs and replacements. This insurance coverage is important for protecting a limo that is leased, or one that still has an outstanding finance loan because it provides you with the highest level of protection you can get.

Uninsured or Underinsured Motorist - Uninsured and underinsured motorist coverage protects you when accidents are the fault of another person. If the person at fault does not carry basic liability insurance, they have no recourse to pay for the damages and injuries they inflict on your limo and its passengers. If the at fault motorist has insurance but it is not enough to cover all of your damages, your company could be left with some of the bills as well. This policy will cover your limo, the driver and the passengers if another driver is at fault but does not have the resources to pay all of the bills. It works in similar ways to your general liability coverage.

Other Important Commercial Auto Insurance for LIMOUSINE includes:

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Business Auto Coverages

Commercial Auto Protection Liability Coverage Bodily Injury Coverage Property Damage Coverage Medical Payments Coverage Physical Damage Coverage Collision Coverage Comprehensive Coverage Uninsured Motorist Coverage

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