Limousine Insurance

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Finding a limousine insurance agency with experienced auto insurance agents who know exactly what they are doing when it comes to limo coverage is a rarity.

If you own a luxury vehicle company you know exactly what we are talking about. Sedans, Stretch Limos, Luxury SUVs, High-Value Luxury Vehicles, and Airport Cars all have different features It can be difficult to acquire insurance if you’re uncertain what to specifically look for. Depending on where your luxury vehicle company operates, who you are in contract with, and what type of filings are required for both your city and state the detail involved in insuring a for-hire limo company can be extensively cumbersome.

That is why we are here—to help you insure your vehicles and keep your luxury vehicle company on the road, operating at its fullest potential.

American Business Insurance Services currently insures over 40,000 public and commercial autos nationwide. We have over 35 years of experience providing customized limousine insurance solutions for all types of livery businesses, from owners/operators to fleets with hundreds of vehicles. Because we have been exclusively providing this line of insurance services for as long as we have, our network of relationships with limo insurance carriers has expanded to an unprecedented reach.

Let’s take a closer look at some of the reasons why American Business Insurance Services some of the reasons that sets American Business Insurance Services apart from other agencies.

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We insure over 50,000 commercial vehicles nationwide.

Limousine Insurance Coverages Offered

Auto Liability

Protects you and your business from financial losses when you are involved in an at-fault automobile accident.

If your limousine company is found liable for an at-fault accident, it would pay to fix the person(s) vehicle you damaged, pay for medical bills of the passengers in that vehicle(s) and also for the medical bills of the passenger(s) in your own vehicle. Your commercial limousine insurance policy would also pay for court and legal expense fees if a third party decides to file a lawsuit against you in regards to an auto accident.

Car In Accident with Insurance
Claims Adjuster Viewing Damaged Car with Insurance

Comprehensive / Collision

Protects your limousine from damages whether or not you are considered at fault for an accident. This coverage is important if you are leasing or financing a limousine cab since you have an outstanding loan or lien on the vehicle. This coverage is mandatory if you want to protect your limousine from damages whether you are considered at fault or not, and also protects the loan or lienholder on the vehicle if not owned outright. All Physical damage policies will have a deductible which usually range from $500-$5,000.

Technology Forward Limousine Insurance

ID Cards, vehicle, and driver changes, 24.7 online.

We understand that vehicles & drivers need to be swapped out at a moment’s notice, that’s why we’ve created an online portal for you to submit changes, print Auto Identification Cards & Certificates 24 hours a day, 7 days a week.


In addition, for large fleet owners, we offer a full API to make vehicle changes and get ID cards, all from your own fleet management software or mobile app.

Limousine Insurance Highlights

We offer the most competitive pricing on limousine insurance!

  • Customizable insurance to meet your individual policy needs
  • Certificate & Auto ID Card issuance available in minutes
  • Online access to make vehicle & driver changes to your policy 24/7
  • Over 35+ years of experience
  • 50,000 vehicles insured

More Questions? Call Us.

We’re here to help, 800-980-1950
Agents are available 8am-5pm
Monday – Friday, Pacific Time

Ready to get a quote?

Request a Quote

Please have your vehicle/driver info.