Since 1997, ProTrans, Inc. has been a trusted provider of specialized limo insurance solutions across the United States. As a premier transportation-focused wholesale broker and program manager, our expertise and carrier access make us a go-to market for agents and brokers looking to place limousine and car service accounts.
Overview of the Program From VAIL and ProTrans
Through our partnership with
VAIL (Value Added Insurance Lines), ProTrans offers exclusive limousine insurance programs tailored to meet the complex needs of commercial operators—from single-vehicle car services to national fleet operators. Whether your client operates in a major metro area or a smaller regional market, we have the flexibility and coverage breadth to help you secure the right protection at a competitive price.
Ideal Accounts and Appetite
ProTrans' limo insurance program is designed for a wide range of transportation businesses, including:
- Traditional limousine services
- Luxury black car services
- Executive shuttle and private hire vehicles
- Fleet operators with multiple vehicles across states
Both employee-operated and independent contractor models are eligible, and we can accommodate accounts with varying risk profiles.
Coverage Highlights and Advantages
Our limo insurance solutions are comprehensive and flexible enough to meet the demands of today’s transportation industry. Key program features include:
- All-inclusive coverage options on a regional and national basis
- Bonding for employees and independent operators available up to $5 million
- Workers’ Compensation Insurance tailored for the transportation sector
- Occupational Disease and Accident Insurance
We understand the unique exposures faced by limo operators—passenger liability, driver safety, and vehicle protection—and have designed our offerings to address those needs head-on.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on account size, geography, and risk characteristics. Our experienced underwriters evaluate each submission individually to ensure optimal coverage and pricing. We are especially competitive in both hard and soft market cycles.
Territories and Availability
This program is available in nearly every U.S. state, including DC. We currently write business in:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why Work With VAIL and ProTrans?
When you partner with VAIL and ProTrans, you gain access to one of the nation’s most established and specialized transportation insurance programs. Our dedicated service, industry knowledge, and commitment to agent success make us a preferred market for limousine risks.
Whether you're placing a startup black car business in New York or a large multi-state fleet, we have the underwriting expertise and market access to help you close the deal. Contact ProTrans today to learn more about our exclusive limousine insurance solutions.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for limousine services, black car operators, executive shuttles, and multi-vehicle fleets operating locally or nationally.
Is this program available in all states?
Yes, the program is available in most U.S. states, including DC. Please contact us to confirm availability in specific states.
Do you offer coverage for independent contractors?
Yes, we offer bonding and coverage solutions for both employee drivers and independent operators.
What is the minimum premium required?
Minimum premiums vary by account size, location, and risk profile. Our underwriting team evaluates each case individually.
Can you handle accounts with more than one vehicle?
Absolutely. We are equipped to handle single-vehicle accounts as well as large fleets with comprehensive national coverage.
Need help placing an account? Connect with a market specialist.