Comprehensive Limousine Transportation Insurance for Fleet Operators
Continental Risk / Continental Marine Insurance Services offers a dedicated Limousine Transportation Program built for professional chauffeured-transportation fleets (minimum five vehicles). As an experienced Excess & Surplus Lines broker with access to an A++ admitted carrier, we provide tailored coverage, competitive terms, and value-added services designed for executive and airport transfer operators.
Ideal Accounts and Appetite
This program is geared toward established, professionally managed chauffeured-transportation businesses with documented safety controls. Preferred accounts typically have:
- Fleets of five or more vehicles — sedans, SUVs and stretch limousines
- Strong driver screening and ongoing training programs
- Clean loss history and up-to-date motor vehicle records (MVRs)
- Primary focus on corporate, executive and airport transfer work
Non-emergency medical transport (NEMT), taxi-type operations and informal ride-share businesses are generally outside this program’s appetite.
Coverage Highlights and Advantages
The Limousine Transportation Program includes core motor coverages and optional extensions to address common exposures in chauffeured services:
- Auto Liability: $1,500,000 Combined Single Limit (CSL)
- Uninsured/Underinsured Motorist and Personal Injury Protection (PIP) where required by law
- Auto Physical Damage: Comprehensive and Collision
- Optional Coverages: Non-Owned Auto, Hired Auto, Towing, Electronic Equipment
Agents can also offer insureds a complimentary online Defensive Driver Training course and exam to help reduce loss frequency and support safer operations.
Underwriting Requirements and Minimum Premiums
To expedite submissions, include the following documentation:
- Completed, signed, and dated Chauffeured Transportation Supplemental Application
- Completed ACORD applications
- Valued loss runs for the current policy term plus the prior three years
- Operations manuals, safety policies, driver training records and MVRs
Minimum premiums vary by carrier and risk profile. Our underwriting team will review each account and work with you to provide competitive terms based on fleet mix, exposures and loss history.
Territories and Availability
This program is available in most states and the District of Columbia. Continental Risk / Continental Marine Insurance Services has broad market access across the country, allowing you to place appropriate limousine risks in the majority of U.S. jurisdictions.
Why Work With Continental Risk / Continental Marine Insurance Services?
We specialize in niche transportation risks and understand the operational demands of chauffeured services — tight schedules, high-value clients and complex liability exposures. Agents benefit from:
- Access to underwriting that knows the limousine market
- Admitted A++ carrier capacity for qualifying accounts
- Value-added loss-control tools, including driver training
- Responsive underwriting and flexible placement options through an experienced E&S broker
Example scenarios that typically fit this program:
- A corporate shuttle operator with a fleet of 10 late-model SUVs, formal driver training, and three years of clean loss runs.
- An executive sedan fleet providing airport transfers for business clients, with centralized dispatch, written safety policies, and routine MVR monitoring.
Whether you’re placing a luxury executive fleet or expanding a transportation book, our Limousine Transportation Program helps you deliver comprehensive coverage and practical risk management support to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Established limousine and executive transportation fleets with five or more vehicles, a documented safety program, and a strong loss history are the best fit.
What documentation is required to get a quote?
Submit a completed Chauffeured Transportation Supplemental Application, ACORD forms, four years of loss runs, and operational safety documentation including MVRs.
Is this program available in all states?
The program is available in most states and D.C. Confirm availability for a specific state at submission because market access can vary by territory and account characteristics.
Does the program include driver training?
Yes. The carrier provides a complimentary online Defensive Driver Training course and examination as part of the program benefits.
Are smaller fleets or single-vehicle operators eligible?
This program is designed for fleets of five or more vehicles. Smaller operations may not qualify, but we can discuss alternative placement options.
Need help placing an account? Connect with a market specialist.