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For-hire livery insurance, also known as livery insurance, is a type of commercial auto coverage for vehicles that are used by businesses that generate revenue from transporting people. Businesses that incidentally transport people, such as hotels that offer a shuttle service, typically don't need for-hire livery insurance. Learn how the different types of livery insurance protect small businesses.
Many of our clients bundle multiple insurance policies for convenience, discounts, and broader protection. Explore these other personal insurance options.
The most common types of livery insurance include:
Taxis provide transportation to the general public and are commonly found near large cities and airports. Traditional taxis don't usually offer pre-arranged transport, unless sent by dispatch, and often feature lighted signage and meters.
Taxi insurance can also protect vehicles that don't fit the description of a traditional taxi or black car service. This can include businesses that likely pre-arrange transportation but don't use a luxury vehicle such as a sightseeing tour company or an airport shuttle service.
Black car and limousine services are forms of pre-arranged luxury transportation. Livery businesses that make scheduled appointments with specific pick-up and drop-off locations usually need black car insurance.
Non-emergency medical transportation (NEMT) vehicles are used to transport individuals who need assistance traveling to and from appointments for medical treatment. This form of pre-arranged transportation doesn’t include ambulances or other emergency vehicles. We currently offer this coverage in select states.
Rideshare insurance has become increasingly popular in recent years with the growth of companies like Uber and Lyft. People who use their private vehicles for livery will need special protection that extends beyond basic auto insurance.
Various factors influence the cost of for-hire livery insurance including your state, vehicle use, driving history and coverage needs. One way to keep your premium low is to maintain a good driving record. Discounts might also help lower your for-hire livery insurance cost.
Livery insurance is a specialized type of commercial auto insurance designed for businesses and individuals who transport passengers for a fee. It provides financial protection for vehicles used for services such as taxis, airport shuttles, executive transportation, limousine services, rideshare fleets, black car services, and other for-hire passenger transportation businesses.
Because transporting passengers creates greater liability exposure than personal driving, livery insurance offers coverage specifically designed for commercial passenger transportation operations.
Livery insurance is appropriate for businesses and drivers who transport passengers in exchange for compensation. This includes taxi companies, limousine services, executive transportation providers, airport shuttle operators, black car services, chauffeur services, and many other for-hire transportation businesses.
If you are paid to transport passengers, a personal auto insurance policy is generally not sufficient to protect your business.
Livery insurance policies may include commercial auto liability, collision coverage, comprehensive coverage, uninsured and underinsured motorist protection, medical payments, physical damage coverage, and optional endorsements tailored to passenger transportation businesses.
Coverage options vary depending on your business operations, the number of vehicles you own, and the type of passengers you transport.
In most cases, no. Personal auto insurance policies generally exclude coverage when a vehicle is used to transport passengers for compensation. If an accident occurs while using your vehicle for commercial passenger transportation, your personal policy may deny the claim.
Livery insurance helps fill this important coverage gap by providing protection specifically for for-hire transportation businesses.
Rideshare insurance is typically designed for individuals who drive part-time using transportation network companies such as Uber or Lyft. Livery insurance is generally intended for commercial passenger transportation businesses that operate independently, provide scheduled transportation, executive transportation, shuttle services, or maintain commercial fleets.
Your insurance agent can help determine which type of policy best fits your business model.
Insurance companies consider several factors when determining livery insurance premiums, including the number of vehicles, passenger capacity, driver experience, driving records, operating territory, annual mileage, claims history, vehicle values, and the types of transportation services provided.
Maintaining qualified drivers and implementing strong fleet safety programs may help reduce insurance costs.
Yes. Livery insurance is available for businesses operating a single vehicle as well as companies managing multiple passenger vehicles. Fleet policies can often be customized to insure sedans, SUVs, passenger vans, shuttle buses, limousines, wheelchair-accessible vehicles, and other commercial transportation vehicles under one policy.
Fleet insurance can simplify policy administration while providing consistent protection across your business.
Yes. Many livery insurance policies are designed to insure airport transportation companies, executive transportation services, chauffeur businesses, limousine companies, corporate transportation providers, and black car services. Coverage can be tailored to the specific operations and vehicles used by your business.
Discussing your routes, passenger types, and business operations with your insurance agent helps ensure your policy provides the appropriate protection.
Yes. Many passenger transportation businesses combine livery insurance with general liability insurance, workers' compensation insurance, commercial umbrella insurance, cyber liability insurance, and business property insurance to create a comprehensive business insurance program.
Bundling multiple coverages helps protect your business against a broader range of risks beyond vehicle-related accidents.
You should review your livery insurance policy at least once each year and whenever your business changes. Adding vehicles, hiring drivers, expanding your service area, transporting different types of passengers, or signing new commercial contracts may all affect your insurance needs.
An annual insurance review helps ensure your business remains properly insured while identifying opportunities for improved coverage and potential premium savings.
