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Tailored to How You Drive Business
Running a passenger transportation business comes with unique risks and regulatory requirements. At Brown & Brown, our Logistics and Transportation Practice focuses on livery insurance for limousines, black cars, airport shuttles, and other fleets — helping you protect passengers, drivers and vehicles with coverage programs for how you operate.
Why Your Business Needs Livery Insurance
In most states, livery insurance is mandatory for companies transporting passengers for hire. Operating without proper coverage can expose your business to liability, vehicle damage costs, and penalties for non-compliance. Purpose-built coverage helps you meet requirements and keep your operation moving with confidence.
Comprehensive Coverage Options for Your Livery Fleet
Your livery fleet faces risk every time a vehicle leaves the lot. From traffic incidents to theft or severe weather, your insurance program should be as dependable as your operations. We help you design tailored livery programs that combine core protections with optional enhancements.
Liability for Bodily Injury and Property Damage
The foundation of a strong livery program helps protect your business when injuries or property damage occurs. Coverage typically includes medical expenses, legal defense and settlements — supporting business continuity after serious incidents.
Collision and Comprehensive Coverage
Fleet vehicles are essential to your service. Collision helps repair/replace vehicles damaged in an accident; comprehensive extends to non-collision events such as theft, vandalism, fire, or weather — keeping vehicles road-ready and schedules on track.
Uninsured & Underinsured Motorist Protection
Steps in when an at-fault driver has insufficient or no insurance. Helps protect your passengers, drivers, and vehicles, so one incident doesn’t create outsized operational disruption.
Additional Insurance Coverages to Strengthen Protection
- General Liability Insurance: Protects against a wide range of risks beyond auto-related incidents. This coverage helps safeguard your business if third parties claim bodily injury, property damage, or advertising-related harm tied to your operations. It provides broader legal defense and settlement support.
- Workers’ Compensation Insurance: Required in most states, this coverage supports your workforce by addressing medical expenses, rehabilitation costs and lost wages if an employee is injured on the job. It ensures both compliance and a structured response when workplace injuries occur.
- Cyber Insurance: As fleets rely on digital systems for dispatching, scheduling and payment processing, cyber threats are increasingly relevant. Cyber insurance helps your business recover from breaches, ransomware events and data theft, covering both response costs and liability exposures tied to customer or employee information.
- Errors & Omissions insurance: Provides protection when customers allege professional mistakes or oversights in the services you deliver. For transportation businesses managing contracts or corporate accounts, this coverage offers reassurance that claims tied to administrative or service errors can be addressed without threatening business stability.
Smarter Risk Protection Through Safety Technology
Programs can support fleet safety technology such as dual-facing cameras and telematics — tools that document incidents, encourage safer driving and inform training protocols. Many operators view these as essential to modern risk management and claims documentation.
Why Choose Brown & Brown?
When you choose an insurance broker, you’re not just buying a policy — you’re engaging with a team that understands passenger transportation operations. Our Logistics and Transportation Insurance Practice focuses on protection, compliance, and practical guidance grounded in industry knowledge and market access.
Deep Industry Knowledge
We work with passenger transportation businesses of many sizes and service types and understand requirements from state insurance mandates to DOT-related considerations. That context helps us anticipate risks and shape programs aligned to real-world operations.
Broad Market Access
As a top-ranked North American broker with access to all major insurance markets, our team can explore placement options and coverage structures appropriate to your needs.
Personalized Programs that Fit Your Business
No two fleets operate the same way. We take time to understand your service model, driver policies and growth plans so your coverage aligns with how you run today and where you’re headed.
Real-world Success Stories
We work with airport shuttles, limousine fleets and private transportation companies nationwide. By aligning coverage with operations and supporting safety technology adoption, our customers strengthen risk management practices and feel supported through change and growth. Our role is a steady one — helping navigate decisions with clarity and responsiveness.
Navigating the Claims Process with Confidence
From first notice of loss through resolution, our team provides guidance and advocacy, so you know what to expect at every step. The goal is a clear, organized process and a knowledgeable point of contact throughout.
FAQs about Livery Insurance
Livery insurance is a specialized form of commercial auto coverage designed for businesses that transport passengers for hire, such as limousine services, black car operators, and airport shuttles. It typically includes liability protection, collision and comprehensive coverage, and uninsured motorist safeguards. By focusing on the unique risks of passenger fleets, livery insurance helps maintain compliance with regulations while helping to protect your business from costly claims and operational disruptions.
Any business that transports passengers for compensation needs livery insurance. This includes limousine companies, airport shuttle services, black car fleets, and even rideshare operators in some jurisdictions. State laws often require it, and without adequate coverage, businesses risk severe penalties, lawsuits, and the suspension of their operating licenses. Having personalized coverage helps ensure financial protection, compliance, and peace of mind for both owners and passengers.
Livery insurance generally covers liability for bodily injury and property damage, collision and comprehensive protection for vehicles and uninsured or underinsured motorist coverage. Many businesses also add optional protections such as workers’ compensation, cyber liability, or errors and omissions insurance. Together, these coverages help shield your business from common and emerging risks, helping to ensure your operations remain compliant, protected, and financially secure.
While commercial auto insurance covers vehicles used for business, it does not account for the higher risks associated with transporting paying passengers. Livery insurance is built for passenger fleets and includes specialized protections, such as passenger liability and uninsured motorist coverage. It also helps ensure compliance with strict state and local requirements. In short, commercial auto protects business vehicles, while livery insurance provides broader coverage for people and operations.
In most states, livery insurance is legally required for businesses that transport passengers for hire. Requirements vary based on service type, fleet size, and local regulations. For example, limousine operators may face different minimum coverage limits than airport shuttles or rideshare fleets. Working with knowledgeable insurance professionals helps you meet all legal requirements while customizing coverage to fit your business model and long-term risk management strategy.
Livery fleets benefit from adopting modern safety technologies such as dual-facing cameras, telematics, and driver monitoring systems. These tools document incidents, promote safer driving, and provide valuable data to reduce claims. Many insurers view safety tech as evidence of responsible risk management. By combining proactive safety investments with strong insurance protection, fleet owners can operate more efficiently and with greater confidence.
Additional Resources
How to Manage Complex Risk in the Intermodal Freight Transport Sector
Intermodal transportation is a complex, specialized segment of the supply chain. With cargo moving across ocean, rail, and road networks and through various owners and handlers, the sector presents unique logistical and liability challenges.
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Understanding Final-Mile Delivery Insurance Risks and Red Flags
Dealing with insurance claims in the final-mile delivery sector can be complex. For instance, if a driver is on a delivery, their personal auto policy usually won’t pay for an accident. Lawsuits are getting pricier, and insurers have tightened ...
What You Should Know About the FMCSA MEC Integration Rule Change
The Federal Motor Carrier Safety Administration (FMCSA) enacted a significant change to the driver Medical Certification Requirements rule on June 23, 2025.Explore Other Logistics and Transportation Insurance Solutions
Connect with a Brown & Brown Livery Specialist
Schedule a consultation with a Brown & Brown Livery insurance specialist to discuss coverage tailored to your needs. Learn how our knowledgeable teammates can help you safeguard passengers, drivers, vehicles, and your business.
