Limo Insurance

Limo Insurance

Limo Insurance

When purchasing insurance for your limo or black car company, it is important to work with an agent who truly understands the limousine and livery industry. Competition from rideshare companies like Uber and Lyft, as well as new and burdensome regulations from local, state, and federal lawmakers, has created new complexities in the limo industry. Now more than ever, it is important that business owners work with a trusted partner who can not only provide an insurance policy, but also advise on how to best navigate the changing passenger transportation landscape.

Research Underwriters has been working with limousine and livery companies for nearly 60 years, giving us the specialized knowledge, experience, and expertise needed to provide appropriate insurance coverages, advise on risk management programs, provide safety and training aids, and more. We work with fleets both large and small, and can tailor coverage for businesses who operate a mixed fleet of limos, SUVs, shuttle, party, or charter buses.

As an independent agent, we represent your best interests when working with the leading limousine and livery insurance companies. Our history and reputation have allowed us to develop strong relationships with these companies, enabling us to use our leverage with multiple companies to deliver the most cost-effective yet comprehensive insurance solutions for your business. Our national presence allows us to be on the leading edge of new insurance products and programs, and we are quick to adapt and capitalize on new market conditions.

Coverages Available:

  • Commercial Auto
  • Physical Damage
  • General Liability
  • Workers Compensation
  • Umbrella/Excess


  • Dedicated Account Manager
  • Same Day Change Requests
  • Claims Analysis & Reviews
  • Online Account Access
  • Camera / Dispatch / GPS Programs
  • Flexible payment plans

We offer limousine and livery insurance in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.