What is Chauffeured Commercial Auto?
Chauffeured Commercial Auto insurance is designed for vehicles used to transport passengers for hire. This includes limousines, black car services, and other professionally driven vehicles. The policy typically includes liability and physical damage coverage, along with optional coverages depending on the business's needs.
Who needs it
Businesses or individuals who operate vehicles with hired drivers to transport passengers should consider this coverage. Common examples include:
- Limousine services
- Executive or corporate car services
- Airport shuttle companies
- Private chauffeur operations
- Taxicab operators
What it typically covers
Coverage usually includes:
- Bodily injury and property damage liability
- Collision and comprehensive coverage
- Medical payments or personal injury protection (PIP)
- Uninsured/underinsured motorist coverage
- Hired and non-owned auto coverage (optional)
Common exclusions and limitations
Like all commercial auto policies, there are certain exclusions, such as:
- Personal use of company vehicles (unless specified)
- Intentional damage or illegal activities
- Unlicensed or unauthorized drivers
- Mechanical failure or wear and tear
Factors that influence cost
Several factors affect the cost of chauffeured commercial auto insurance, including:
- Number and type of vehicles
- Driving records of chauffeurs
- Service area and mileage
- Claims history
- Coverage limits and deductibles
Proof of insurance and compliance
Most states and municipalities require proof of insurance to operate a chauffeured vehicle legally. This may include filing specific forms with local transportation authorities. Be sure to check with your state or local agency to understand your compliance needs.
How to get a quote
To explore Chauffeured Commercial Auto coverage for your business, get a quote today.
Frequently Asked Questions
What types of vehicles are covered under Chauffeured Commercial Auto insurance?
This coverage typically includes limousines, black cars, sedans, SUVs, and taxicabs used for commercial passenger transport.
Is this coverage required by law?
Most states require commercial auto insurance for any for-hire passenger vehicle. Specific coverage amounts and filings may vary by jurisdiction.
Can I cover multiple vehicles under one policy?
Yes, many insurers offer fleet policies that cover multiple chauffeured vehicles under one plan.
Does this insurance cover drivers as well as the vehicles?
Yes, policies generally include liability coverage for authorized drivers operating the insured vehicles.
What’s the difference between taxicab and chauffeured auto insurance?
While both serve passenger transport businesses, taxicabs often operate under metered systems, whereas chauffeured services are typically pre-arranged and more regulated by appointment or contract.
Still have questions? Talk to a local insurance expert.