Commercial Auto • Limo Insurance Texas • 2026
Whether you run a single stretch limo or a multi-city black car fleet, Texas requires strong commercial auto coverage for vehicles that carry passengers for hire. The right limo insurance policy protects your clients, drivers, and business when something goes wrong on the road.
Limousines, executive sedans, SUVs, and black car fleets in Texas are generally insured on a commercial auto policy, not a personal auto policy. If you transport passengers for hire, personal auto coverage will almost always exclude that exposure — which can leave your business fully exposed in the event of an accident.
Texas sets minimum auto liability requirements, but many limo operators carry significantly higher limits to meet contracts, city or airport permits, and franchise requirements. It’s common for higher-end chauffeur services to carry $1,000,000 or more in combined single limit (CSL) liability.
| Coverage | What it does | Typical starting point for TX limo fleets |
|---|---|---|
| Auto liability | Pays for bodily injury and property damage you cause to others in an at-fault crash. | $500,000–$1,000,000 CSL is common for limo and executive car services; higher limits for larger fleets or contracts. |
| Passenger liability | Extends liability coverage to paying passengers in your limo, SUV, or sedan. | Included or endorsed onto the commercial auto policy; often tied to your overall CSL limit. |
| Uninsured / underinsured motorist | Helps when another driver injures your passengers or driver and carries too little insurance. | Often matched to liability limits for strong protection, subject to underwriting. |
| Physical damage (comprehensive & collision) | Covers damage to your limos from crashes, theft, vandalism, hail, and some other non-collision events. | Required by lenders on financed vehicles; deductibles commonly $1,000–$5,000 per vehicle. |
| Medical payments / PIP | Offers limited medical coverage for drivers and sometimes passengers, regardless of fault. | Limits vary; often used alongside primary liability and UM/UIM. |
| General liability (GL) | Protects against slip-and-fall and non-auto premises claims at your office or garage. | Commonly $1,000,000 per occurrence / $2,000,000 aggregate for small operators. |
Contracts with hotels, event venues, corporate accounts, and airports may require you to show proof of higher limits, additional insured status, and specific endorsements. We help you match your coverage to those real-world requirements.
If you accept payment to move people in a vehicle you own, lease, or dispatch, there’s a good chance you need commercial coverage. That includes traditional limousines and a wide range of chauffeur-style operations.
If you’re unsure whether your current policy fully covers “passengers for hire” or contract work, we can review your declarations page and endorsements line by line before you sign a new account.
No two limo operations are the same. A three-vehicle wedding limo business looks very different from a 20-unit black car fleet running daily airport transfers. Here are the main coverage areas we pay attention to when we structure a policy.
Limo insurance rates in Texas vary widely. Two fleets with the same number of vehicles can see very different quotes depending on how, where, and when those vehicles are used.
When you complete our commercial auto quote form, we’ll use those details to target markets that are comfortable with limo, black car, and chauffeur risks — instead of sending your submission to carriers that don’t write this class of business.
Blake Insurance Group works with limo and chauffeur businesses across the major Texas metros and beyond. We can quote stand-alone limo risks or build a broader commercial package that includes general liability and other lines.
| Area | Examples & notes |
|---|---|
| Houston area | Downtown, Galleria/Uptown, Energy Corridor, The Woodlands, Sugar Land, Hobby & Bush-IAH airport transfers. |
| Dallas–Fort Worth | DFW and Love Field airport transfers, Uptown, downtown Dallas, Plano, Frisco, Arlington, Fort Worth. |
| Austin & Central Texas | Downtown Austin, Domain, Hill Country venues, AUS airport runs, events and festival transportation. |
| San Antonio & South Texas | River Walk, resort and hotel contracts, SAT airport transfers, Hill Country wine tours. |
| Other Texas markets | El Paso, Corpus Christi, Lubbock, Midland–Odessa, Waco, college towns and regional shuttle work. |
| Licensed states (phone & online) | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV |
Operating in multiple states or working as an affiliate for national limo networks? We can help you coordinate coverage and certificates so your paperwork stays in step with your contracts.
Yes. Personal auto policies almost always exclude coverage when a vehicle is used to transport passengers for a fee. If you’re running a limo, black car, or chauffeur service, you need a commercial auto policy that is rated and endorsed for that exposure — otherwise a serious claim could be denied.
Requirements vary by city, airport, and contract, but many limo and executive car operators carry at least $500,000–$1,000,000 in combined single limit auto liability. Larger fleets, airport-permitted operators, and high-profile accounts may require higher limits or excess liability on top of the primary policy.
Most carriers will ask for a unit schedule (year/make/model/VIN), driver list with license details and experience, how and where you operate, your approximate annual mileage, current policy limits and deductibles, and at least 3–5 years of loss runs if available. Our commercial auto quote form is built to capture those details once so we can shop multiple markets for you.
Yes. Once your policy is in place, we can issue certificates of insurance and add additional insureds where your policy allows, so you can satisfy hotel, venue, corporate, and airport contract requirements without delays.
We work with both start-ups and established limo and black car operations. New ventures may have fewer carrier options and stricter underwriting guidelines, but a clean driver roster, realistic growth plans, and a solid safety program can help your application stand out.
Blake Insurance Group LLC is an independent insurance agency. We represent multiple carriers and recommend options based on your profile, coverage needs, and underwriting guidelines. Coverage, discounts, and eligibility vary by company and state; policy terms and exclusions control. This page is for general informational purposes and is not legal, tax, or financial advice. Licensed insurance producer (NPN 16944666).
