Colonial General Insurance Agency, Inc. offers a flexible and reliable Limousine Insurance program designed to support agents and brokers working with livery and chauffeur-driven transportation clients. With deep industry knowledge and a commitment to superior service, our team helps you place accounts that require tailored coverage options, competitive pricing, and responsive underwriting.
Ideal Accounts and Appetite
This program is ideal for licensed and commercially insured limousine services, including private executive transportation, special event limos, and airport transfer providers. Whether your client operates a small fleet of stretch limos or a larger group of luxury sedans, we have solutions to help protect their operations.
We welcome accounts with clean driving records, consistent business operations, and vehicles that are properly maintained. New ventures may be considered on a case-by-case basis.
Coverage Highlights and Advantages
Our Limousine Insurance program offers a wide range of coverages and customization options to meet state and federal regulatory requirements as well as client-specific needs:
- Liability limits available up to $1,000,000 CSL
- Coverage options available to meet state/federal requirements based on seating capacity—up to $1.5 million
- Physical damage coverage with flexible deductibles ranging from $500 to $5,000
- Radius options up to 500 miles to accommodate regional operators
- Cargo coverage up to $100,000, including protection for refrigerated goods in transit
These features allow you to tailor the policy to your client's specific operations, helping reduce gaps and manage risk effectively.
Underwriting Notes and Minimum Premiums
We offer access to a variety of markets, including both admitted and non-admitted options depending on availability and state guidelines. Underwriting is handled with efficiency and care, and our team is ready to assist with complex or unique risks.
Minimum premium requirements vary by carrier and risk characteristics. Contact our underwriting team to discuss specific accounts and get a fast turnaround on quotes.
Territories and Availability
This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Our regional expertise allows us to understand the unique regulatory and operational challenges within these territories.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has longstanding relationships with multiple carriers and a strong track record of helping agents place specialty transportation risks. Our team brings underwriting knowledge, market access, and a customer-first mindset to each submission. We understand the unique exposures of limousine services and are ready to help you succeed in this niche market.
If you’re looking for a dependable partner to help place limousine insurance in the Western U.S., Colonial General is here to support you.
Frequently Asked Questions
What types of accounts are a good fit for this limousine insurance program?
This program is ideal for licensed limousine services offering private, executive, or event-based transportation, including airport transfers and corporate accounts.
Are new ventures eligible for coverage?
Yes, new ventures may be considered depending on the overall risk profile, vehicle condition, and driver experience. Submissions are reviewed individually.
What is the maximum liability limit available?
We offer liability limits up to $1,000,000 CSL, with total limits up to $1.5 million depending on seating capacity and regulatory requirements.
Which states is this program available in?
This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you offer both admitted and non-admitted options?
Yes, we have access to both admitted and non-admitted markets depending on the specific risk and state regulations.
Need help placing an account? Connect with a market specialist.