Looking for a fast, compliant livery insurance quote? Whether you run a limousine, black car, executive sedan, shuttle, or non-emergency medical transportation (NEMT) service, the right commercial auto package keeps your permits active, your clients protected, and your dispatch contracts intact. As an independent agency, we compare multiple livery carriers, align limits and endorsements with city/TLC and airport rules, and issue contract-ready certificates of insurance (COIs) and filings—so you can book trips with confidence.
| Requirement | Typical Range | Why it matters |
|---|---|---|
| Auto Liability (CSL) | $500k–$1M+ per occurrence | Meets public livery, city/TLC, airport, and broker/TPA contracts |
| Passenger/Med Benefits | MedPay or PIP (state rules) | Helps with rider injuries regardless of fault |
| UM/UIM | State-driven limits | Protects your driver and passengers from underinsured motorists |
| Physical Damage | ACV or stated value; $1k–$5k deductibles | Repairs/replace your sedan/SUV/van after theft/collision |
| Filings & COIs | MCS-90, Form E/H, AI/PNC + Waiver | Activates authority and satisfies airport/hotel/municipal requirements |
Send your permit page (airport/city), broker onboarding packet, or hotel stand rules—we’ll mirror Additional Insured, Primary & Noncontributory, Waiver of Subrogation, and limit language directly on your COIs and endorsements.
Protects against third-party injury and property damage while transporting passengers. We’ll right-size limits to city/airport and broker contracts, and add Hired/Non-Owned Auto (HNOA) if you ever rent or borrow vehicles for overflow work.
Medical benefits and uninsured/underinsured motorist coverage shield drivers and passengers when the other party’s insurance comes up short. We coordinate these with your liability so you’re not double-paying for the same exposure.
Weather, theft, vandalism, glass, animal strikes, and crash repairs. Consider rental reimbursement or downtime coverage to keep revenue flowing while a unit is in the shop—especially during peak season.
Some contracts ask for GL in addition to auto (e.g., slip-and-fall at your office, meet-and-greet exposures). We’ll include Truckers/Business GL or a BOP where applicable.
Non-emergency medical transport may require additional protections (lift/securement, passenger assist) and background/compliance attestations. We’ll align endorsements with broker/TPA checklists.
Video and telematics reduce severity and disputes; many livery carriers credit for them. For fleets, event-based coaching is the cheapest “coverage” you can buy.
| Coverage | What it does | Operational note | Best for |
|---|---|---|---|
| CSL Auto Liability | Third-party BI/PD for passenger transport | Contracts often mandate ≥$1M; confirm per vehicle class | All livery units (sedan/SUV/van/shuttle) |
| PIP/MedPay | Medical bills regardless of fault | State-specific rules; coordinate with UM/UIM | Urban, airport, NEMT routes |
| UM/UIM | Injuries caused by underinsured drivers | Common gap in real-world accidents | Night/highway corridors |
| Comp/Collision | Theft, glass, crash repairs | Consider downtime/rental to protect revenue | Financed/late-model units |
| HNOA | Liability for hired/borrowed vehicles | Needed for overflow jobs or rentals | Fleets and seasonal surges |
| General Liability | Premises/operations outside auto | Sometimes required by broker/hotel stand agreements | Operators with offices, valet, meet-and-greet |
| Driver | Why it matters | Savings move |
|---|---|---|
| City/ZIP & routes | Litigation, theft, hail, and loss frequency vary by area | Secure parking, anti-theft, garage storage; avoid high-severity corridors where possible |
| Driver MVR & tenure | Experience and violations drive eligibility and rate | Set hiring standards; coach with dashcam/telematics events |
| Vehicle value & class | Luxury SUVs and ADA vans cost more to repair | Right-size deductibles; consider stated value for older units |
| Operating hours | Night/airport/highway exposure increases severity | Document typical lanes; balance schedules to reduce risk concentration |
| Loss history | Fewer, smaller losses improve carrier appetite | Fix patterns (rear-ends, glass); submit proof of mitigations for credits |
| Contract language | Higher limits and special wording can raise cost | Buy what the contract demands—no more, no less; negotiate when possible |
Cheap is good—compliant and reliable is better. We’ll show side-by-side quotes, expected out-of-pocket in common accidents, and how telematics, higher deductibles, and correct contract limits can reduce your total cost of risk without risking airport badges or broker lanes.
| State | Abbrev. | Sample Metros |
|---|---|---|
| Arizona | AZ | Phoenix, Tucson, Mesa |
| Alabama | AL | Birmingham, Mobile, Huntsville |
| Texas | TX | Houston, Dallas, Austin |
| California | CA | Los Angeles, San Diego, San Jose |
| New York | NY | NYC, Buffalo, Rochester |
| Ohio | OH | Columbus, Cleveland, Cincinnati |
| Florida | FL | Miami, Tampa, Orlando |
| North Carolina | NC | Charlotte, Raleigh, Greensboro |
| Virginia | VA | Virginia Beach, Richmond, Norfolk |
| Georgia | GA | Atlanta, Savannah, Augusta |
| Oklahoma | OK | Oklahoma City, Tulsa, Norman |
| New Mexico | NM | Albuquerque, Santa Fe, Las Cruces |
| Iowa | IA | Des Moines, Cedar Rapids, Davenport |
| Kansas | KS | Wichita, Overland Park, Topeka |
| Michigan | MI | Detroit, Grand Rapids, Ann Arbor |
| Nebraska | NE | Omaha, Lincoln, Bellevue |
| South Carolina | SC | Charleston, Columbia, Greenville |
| South Dakota | SD | Sioux Falls, Rapid City, Aberdeen |
| West Virginia | WV | Charleston, Morgantown, Huntington |
Need help with airport badges or city/TLC renewals? We translate the checklist into endorsements and COIs, file forms, and coordinate limits so your paperwork passes the first time.
Follow the highest requirement among your city/airport rules and broker contracts—often $1M CSL for executive sedans/SUVs. We’ll confirm per unit class and show options to control premium without risking compliance.
Yes. We issue compliant COIs and handle Form E/H and MCS-90 (where needed), plus Additional Insured, Primary & Noncontributory, and Waiver language that matches permit text.
Use higher comp/collision deductibles, install dashcams/telematics, keep clean MVRs, and buy only the limits the contract actually demands. Avoid stripping MedPay/PIP or UM/UIM below practical levels.
Both. We’ll schedule units, set values/deductibles, and align Additional Insured requirements for airports, hotels, and brokers.
Often same-day. Send driver lists, VINs, garaging info, prior policy/dec page, loss runs (if any), and permit wording. We’ll quote, bind, and issue COIs quickly.
Independent agency: Blake Insurance Group LLC compares multiple livery carriers to match coverage with your lanes, permits, and budget.
Brand ownership: All trademarks belong to their owners; no affiliation or endorsement implied.
Licensing: Licensed insurance producer (NPN 16944666). Availability and eligibility vary by carrier and state; your issued policy governs benefits, limitations, and exclusions.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Owner & Principal Agent