Limousine Insurance in New Hampshire

Also providing limousine insurance to residents in Massachusetts, Maine, Rhode Island, & Vermont.

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What is limousine insurance?

Offering luxury transportation can be a financially successful, and also fun, career or business. Any type of driving, however, comes with certain risks. Limousine insurance can help chauffeurs and businesses that offer black car transportation services in New Hampshire protect themselves.

Limousine insurance is a type of commercial auto insurance, specifically for luxury vehicles and the businesses that operate them. Policies may protect vehicles, chauffeurs and their businesses.

Who in New Hampshire needs to have limo insurance?

New Hampshire businesses generally should have limo insurance if they operate black car vehicles. This includes businesses driving limousines, SUV limos, stretch limos, town cars and luxury SUVs. Limousine policies aren’t strictly for only limousines.

Moreover, businesses normally need a policy regardless of how large or small they are. While the coverage needs of a statewide company and a self-employed chauffeur will certainly be different, they both usually need insurance.

What insurance coverages should chauffeurs get when insuring limousines?

The insurance coverages that chauffeurs and their businesses need are somewhat situationally specific. Nonetheless, there are certain coverages that many chauffeurs get:

• General Liability Insurance: May cover accidents unrelated to driving that result in injury or property damage to others, such as a customer getting hurt while getting into or out of a limousine.
• Personal Injury Coverage: May cover customers and other passengers injured in an accident while in the limousine, as well as persons not in the limo.
• Bodily Injury for Drivers Coverage: May cover drivers injured while operating the limousine.
• Physical Damage Coverage: May cover damage to the limo resulting from an accident, fire, theft, falling object, animal or another cause.
• Property Damage Liability: May cover damage to other vehicles or property that’s damaged during an accident.
• Uninsured/Underinsured Motorist Protection: May cover accidents with a driver who doesn’t have adequate auto insurance, as well as hit-and-runs.
• Employment Practices Liability: May cover claims by employees alleging harassment or discrimination.

Does limo insurance cover the personal belongings of passengers?

Limo insurance doesn’t necessarily cover passengers’ personal belongings against risks such as theft. Some policies may, but it’s common for businesses to state that they aren’t to be held liable for passengers’ things.

If coverage for passengers’ belongings is specifically wanted, an insurance agent specializing in limo policies can likely find one that affords this protection.

Does a limo policy cover customizations made to a limousine’s interior?

Any changes made to a limousine’s interior are normally fairly easy to get coverage for. Finding coverage might require checking specific terms, though, so chauffeurs should consult a knowledgeable insurance agent.

Can taxi operators insure themselves with a limo policy?

Drivers operating standard taxi cabs usually are better off with a taxi-specific insurance policy. Such a policy would undoubtedly have many similarities with a limo policy, but there would

Should black car drivers working on rideshare platforms get a limo policy?

While limo policies are designed for black car drivers, these are typically more than drivers who offer premium services on rideshare platforms normally need. Sufficient coverage can usually be obtained more easily through a combination of the rideshare platform and a rideshare insurance policy.

How much does insuring limousines cost?

The cost of insuring limousines depends on many factors, not the least of which is how many limos and other vehicles are being covered. The type of vehicle, its year, make and model, the driver’s experience, and the location served are some of the other factors insurance companies typically consider.

How can chauffeurs and businesses in New Hampshire get limousine insurance?

For help insuring a limousine or fleet that’s in New Hampshire, reach out to the independent insurance agents at Insurance24. One of our agents will work closely with you to identify coverage needs, and then help you find the best limousine insurance that meets your needs.