Livery Insurance

Livery operations face risk exposures that differ significantly from standard commercial auto fleets; yet many insurance programs fail to account for those differences. Limousine and livery vehicles often operate on scheduled or on-demand service, experience extended idle time between trips, and rely on a mix of employees and independent contractors. These operational realities require a specialized insurance approach designed for how livery companies actually operate. 

Our livery insurance solutions are purpose-built for limousine, black car, and transportation network service providers. With a strong emphasis on risk management, regulatory compliance, and cost efficiency, these programs are structured to address key industry challenges such as contractor classification, coverage coordination, and evolving regulatory requirements. From insurance placement to operational guidance, coverage is tailored to support safer, more reliable, and more profitable livery operations—without the gaps and inefficiencies found in generic auto programs.