Limousine Insurance Quote Forms
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Limousine Insurance Information
As a full-service, independent insurance agency, K.S. Billing & Associates, Inc. strives to offer only the best in personalized insurance services to all New York residents. If you’re a resident of South Richmond Hill or the surrounding region, then we’re here to make your search for quality benefits simple, efficient and affordable.
All limo owners in New York require a specific type of commercial auto insurance. It’s critical assistance that will help you protect company vehicles, employee drivers, and passengers and cargo in transit against roadway hazards or unexpected vehicle accidents. Don’t try to get behind the wheel without it.
Call us at 718-805-2211 or request your free limousine insurance quote now!
Common Limo Insurance Questions:
What type of insurance do you need for a limo?
If you drive a limo or own a fleet of them, you must have limo insurance. You cannot legally operate a For-Hire Vehicle (FHV) without it. When you buy a vehicle (or fleet of them) for your company and have employees that drive them, your business could be one of the parties to suffer should something happen to one of those drivers or vehicles. Limo insurance is designed to provide you with financial assistance throughout the recovery process, and as a result, your company won’t face financial setbacks just because an accident occurred.
Limo insurance is commercial auto insurance, which is designed specifically for vehicles and drivers operating on behalf of a business. Though very similar to personal auto insurance, a commercial auto policy like limo insurance will contain specialized coverage terms designed to protect the company’s investment in the vehicles.
What does limo insurance cover?
The average commercial auto policy can offer numerous benefits, each of which can apply to different loss scenarios involving your vehicles or drivers. These include:
Liability Insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (like other drivers) who weren’t in the car with you.
Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.
Property Damage Liability Coverage: This pays for damage to the other party’s property.
Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance: This coverage pays for damage from nonaccident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical Payments/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. Sometimes, it will cover other losses, such as lost income.
Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Additionally, other policies and endorsements might help you expand your benefits, such as:
Inland Marine Insurance
Rental Car Reimbursement
Custom Parts Coverage
Is limo insurance required?
Because your business’s uses of vehicles are unique, you must customize your commercial auto plan to make it work specifically for you.
Answer: New York State law requires that motorists carry a minimum amount of liability insurance of:
$25,000 for bodily injury to one person,
$50,000 for bodily injury to all persons, and
$10,000 for property damage in any one accident.
Mandatory "no-fault" coverage of $50,000 is also required.
Many motorists carry higher liability limits and additional personal injury protection beyond these minimum benefits required by law. The law also requires all auto insurance policies to provide uninsured motorists coverage (for bodily injury), subject to the same minimums. In addition, SUM (Supplementary Uninsured/Underinsured Motorists) coverage can also be purchased, in amounts up to the bodily injury liability limits of an insured's own policy. An insurer must offer SUM limits of $250,000 per person per accident and $500,000 per accident ($250,000/$500,000) if a person has bodily injury liability limits of that amount or higher. Insurers may offer higher SUM limits if they wish.
Regardless of any coverage requirements, the benefits you will receive by investing in higher levels of coverage (even when it is optional) will ensure you have a high degree of protection available in the event of any particularly challenging vehicle mishap.
How much does it cost to insure a limo?
Numerous factors can influence commercial auto insurance costs, including the types and amounts of coverage you buy; the location of your business; and the value, type and size of the vehicles to be insured.
Our agents are committed to working with you to optimize benefits in ways that will still keep them affordable, even as you build upon your coverage to ensure you receive the highest level of protection.
How We Can Help
K.S. Billing & Associates is committed to optimizing your commercial auto benefits so you receive the best protection that is still affordable. Call us today at 718-805-2211 to get your limousine insurance.
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