Limousine & Livery Insurance
Limousine and livery insurance is specialized commercial transportation coverage for companies transporting passengers in premium vehicles: stretch limousines, sedans, SUVs, and party buses. The coverage combines commercial auto liability meeting California's TCP requirements, physical damage on hig…
Key Coverages for Limousine & Livery Businesses
- Commercial auto liability meeting CPUC TCP minimum requirements
- Physical damage for stretch limousines and sedans
- Passenger accident coverage
- Uninsured/underinsured motorist protection
- Hired and non-owned auto coverage
- CPUC TCP regulatory filing endorsement
Frequently Asked Questions
What are California's minimum liability limits for a TCP license?
California CPUC requires a minimum of $1,500,000 per occurrence for vehicles seating 8 or fewer passengers, and $5,000,000 for vehicles seating more than 8. The CPUC requires the insurance company to file directly — a certificate alone is not suffici…
Is limousine insurance different from standard commercial auto?
Yes. Standard commercial auto policies may exclude for-hire passenger transportation. Livery policies include regulatory endorsements required by the CPUC and FMCSA and are rated based on specific transportation operations.