Insuring your stretch limousine can be difficult. We’ve made the process easier. Compare 3 stretch limousine insurance agents when you fill out one simple form. Get started now!
Stretch Limousine Insurance Protects Against Common Risks
A good stretch limousine insurance policy will protect you and your business from unforseen accidents that can happen on and off the road. It’s important to get a policy that covers every potential danger.
Auto accidents
It should come as no surprise that stretch limousines get in more accidents than traditional sedans. If a driver backs into a parked car or hits another car in city traffic, your commercial auto insurance policy should pay for damages done to the wronged party. This is covered with commercial auto liability insurance. Every state requires that limousine services get this protection.
Hurt passengers
Most stretch limousines feature banquette seating without seatbelts. If your driver slams on his brakes, a passenger can be seriously hurt. Medical payment insurance covers any hospital bills associated with an on-the-road accident that happens to your passengers.
Hurt chauffeurs
Most states require limousine businesses to get workers compensation insurance for their drivers. Workers comp pays for medical fees and lost wages if a chaffeur is hurt on the job.
Damage to parked limousines
In addition to typical problems like hail damage and theft, stretch limousines are often prime targets for vandalism. Things like comprehensive physical damage coverage and garagekeepers insurance protect your vehicles against damage that happens off the road.
What to Look For in a Stretch Limousine Insurance Agent
When choosing an insurance agent, there are several factors any limousine business owner should consider before finalizing their decision. There are certain questions you should ask yourself before settling on a policy
- Does this policy completely cover my business?
- Does the agent seem like he understands the limousine service industry?
- Does the insurance agency have a solid reputation with good reviews?
- Can the agent bundle my auto insurance coverage with my business insurance?
- Can the agent be reached quickly if I need to change an aspect of my policy?
- Does the insurance company have a good rating with Moody’s and A.M. Best?
- Does the insurance agent offer discounts for fleets?
How to Save on Insurance for Stretch Limousines
The price you pay for stretch limousine insurance is dependant on several things that are outside of your control in the short run. If you have had a lot of accidents or if you’re a new venture, your insurance is going to be more expensive. Things like your location, credit rating, and types of services you provide will also contribute to your final price.
The one thing that you can do now is to compare prices from multiple agents. One agent doesn’t represent all insurance companies. When you speak to two or three, you get a wider view of which plans are available to your business. This is the only surefire way to get a better price without sacrificing coverage. To speak with multiple agents, fill out our one form and we’ll connect you with three. They compete for your business and you save.
