Limo Insurance — Lancer Insurance

When you provide luxury passenger transportation services, we know there's a lot riding on your business. So, when it's time to hit the road, you should feel confident you have the best limousine insurance possible riding alongside you.

Fortunately, you've come to the right place. We offer exceptional limo insurance coverages and a broad range of value-added services that can only come from decades of experience serving limousine business owners just like you.

To become one of our valued customers, please complete our quick online questionnaire or have your agent or broker call us. Or, contact our limo Insurance division today for an insurance broker near you.

If you are a producer and interested in offering Lancer’s limousine insurance products and services to your clients, please contact us today.


COVERAGES

As a passenger transportation business owner, you want to protect your livelihood against unforeseen accidents. We offer the limo insurance coverages you need to safeguard your customers, vehicles and hard-earned company reputation.

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COMMERCIAL AUTO

Bodily Injury and Property Damage Liability

Even the best — and most well-trained — chauffeurs suffer mishaps. Bodily injury and property damage coverage can compensate those injured in an accident involving an insured vehicle, or pay for damages to another vehicle.

We can accommodate your limousine company's needs with up to $5 million Combined Single Limit (CSL) in bodily injury and property damage coverage.

The following liability coverages are also available, where applicable:

  • Personal Injury Protection (PIP)
  • Uninsured Motorist Coverage (UM)
  • Underinsured Motorist Coverage (UIM)
  • Medical Payments (Med Pay)

Physical Damage (Specified Perils & Collision)

When your limousine goes bump in the night (or day), our physical damage coverage will quickly get it repaired and back in money-making service.

Physical damage coverage includes:

  • Collision — Covers repairs or replacement to your insured vehicle resulting from an accident involving other vehicles or stationary objects
  • Specified Perils — Pays for damage to your insured vehicle from fire, theft, vandalism and other covered perils

We offer a variety of deductibles from $1,000 up to $25,000.

GARAGE LIABILITY

If your limousine business includes a garage or repair facility, we've got you covered — with limits up to $1 million CSL.

GENERAL LIABILITY

General liability coverage protects other critical components of your business, including your facility, office areas, parking areas, outside storage facilities and vacant land. We offer a wide range of coverage and limit options, and can help you decide what's best for your operation.


POLICYHOLDER BENEFITS

Choosing the right insurer for your limousine business is an important decision. After all, it's your livelihood. In addition to the proper limo insurance coverages, a great insurer will provide you with value-added services to help you minimize risk and keep your business rolling along.

Not surprisingly, we do that — and have been doing so for limousine operators since 1988.

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Here's a glimpse into the complimentary tools and services we offer:

  • Easy-to-use accident and claim reporting aids
  • SafetyLink Hotline, a policyholder-exclusive service to help you get answers or additional information on loss control issues and DOT regulations
  • Safety Stop, our blog for loss prevention information, risk management tips and regulatory updates to help you reduce losses and enhance compliance efforts
  • 24/7 online access to driver training videos to help your drivers be the best they can be
  • Lancer Classifieds, your policyholder-exclusive limo equipment exchange
  • Our Business Resource Hub, an extensive library of materials to help you safeguard your vehicles and employees, comply with FMCSA regulations and manage your business successfully
  • High-quality Loss Control Services
    • Lancer’s team of seasoned loss control professionals, dedicated to helping you reduce your potential for loss, and manage the impact of accidents and the costs associated with them

Of course, if trouble comes along while you're on the road, our seasoned claims team will be there for you 24/7/365. With decades of practical knowledge gained by serving limousine customers like you, we know how essential it is for you to quickly get back to serving your customers.

And, with our Loss Recovery Program, our claim professionals will assist you with recovering out-of-pocket and down-time expenses, including your deductible, when others are at fault for your loss...at absolutely no cost to you.

““Lancer gives me thorough efficient service with a personal touch I appreciate. It’s great being about to speak to somebody who knows me and my business whenever I have a claim or question.””
— George Abt, President, Abt Limousine Service, New York, NY