Colonial General Insurance Agency, Inc. offers a flexible Limousine Insurance program designed specifically to help agents and brokers place livery and chauffeur-driven transportation accounts. Backed by deep regional market knowledge and responsive underwriting, our team helps you secure tailored coverage, competitive terms, and solutions for both routine and complex operations.
Ideal Accounts and Appetite
This program targets licensed, commercially insured limousine operations including private executive transportation, special-event limos, airport transfer providers, and corporate chauffeur services. We work with small stretch-limo operators as well as larger fleets of luxury sedans and SUVs.
Preferred submissions have consistent business operations, properly maintained vehicles, and clean driving records. New ventures may be considered on a case-by-case basis when driver training, vehicle maintenance, and safety procedures are clearly documented.
Example scenarios that often fit well:
- A regional airport transfer operator with a mixed fleet of sedans and SUVs seeking liability and physical damage limits tailored to multi-zone operations.
- A small executive limousine company operating stretch limos for events and corporate accounts requiring higher liability limits based on seating capacity.
Coverage Highlights and Advantages
Colonial General's Limousine Insurance program offers customizable coverages to meet state and federal requirements and the specific exposures of chauffeur-driven transportation:
- Liability limits available up to $1,000,000 CSL
- Coverage to meet state/federal requirements by seating capacity — total limits up to $1.5 million
- Physical damage coverage with deductibles from $500 to $5,000
- Radius options up to 500 miles to accommodate regional operations
- Cargo coverage up to $100,000, including refrigerated goods in transit
Policies can be structured to reduce gaps between commercial auto, cargo, and hired/non-owned exposures so your clients operate with clearer protection and manageable risk transfer.
Underwriting Notes and Minimum Premiums
We place business across admitted and non-admitted markets depending on carrier availability and state rules. Underwriting focuses on driver qualifications, vehicle condition and maintenance records, loss history, and operational controls such as scheduling and dispatch procedures.
Minimum premium requirements vary by carrier and risk characteristics. For a specific account, contact our underwriting team with a complete submission so we can evaluate markets and provide prompt proposals.
Territories and Availability
This program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Our regional focus gives us practical knowledge of state-level regulatory expectations and common exposures across the Western U.S.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to multiple admitted and E&S carriers and experienced underwriters who specialize in specialty transportation risks. We emphasize fast, transparent communications and practical placement strategies so you can close business with confidence.
Whether you're submitting a straightforward airport transfer account or a specialized event-limo operation with unique exposures, our team can help identify appropriate markets, structure coverage, and deliver timely quotes.
If you need assistance placing limousine business in the Western U.S., Colonial General's market specialists are available to review submissions and recommend solutions.
Frequently Asked Questions
What types of accounts are a good fit for this limousine insurance program?
Licensed limousine services offering private, executive, event-based transportation, airport transfers, and corporate chauffeur services are a good fit. We handle small and mid-size fleets as well as specialized high-capacity vehicles when appropriate controls are in place.
Are new ventures eligible for coverage?
Yes. New ventures are considered on an individual basis. Successful submissions typically include driver hiring and training records, vehicle maintenance plans, and a clear operations plan.
What is the maximum liability limit available?
Liability limits are available up to $1,000,000 CSL, and total limits can be placed up to $1.5 million when required by seating capacity or regulatory mandates.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you offer both admitted and non-admitted options?
Yes. We can place accounts in admitted or non-admitted markets depending on carrier appetite, state rules, and the specific risk profile.
Need help placing an account? Connect with a market specialist.