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Livery Insurance
Customized commercial auto coverage for livery businesses
Commercial auto insurance tailored to for-hire drivers
Whether you drive a limousine, taxi, or non-emergency medical transport vehicle, your goal is to get your passengers where they need to go safely and on time. Progressive Commercial is America's #1 commercial auto insurer,* providing coverage for more than 2.3 million small business vehicles across the country. Our experience includes protecting many kinds of livery services, so you can stay confident when you take on a fare.
What is livery insurance?
For-hire livery insurance is specialized commercial auto coverage for vehicles that carry paying customers. It helps safeguard your passengers, vehicle, and business. This type of insurance is commonly used by taxis, black cars, limousines, and non-emergency medical transportation providers.
Many small businesses choose for-hire livery insurance because it can offer protections designed around passenger transport, such as liability, uninsured motorist, and physical damage. These coverages help your business stay prepared for the unexpected.
Types of for-hire livery insurance
Livery businesses come in many shapes and sizes, from black car services to taxi drivers. Every service has its own rhythm, and your coverage should match yours. We offer flexible livery insurance options to help you find a policy that supports the way you work.
Start a quote and get personalized livery insurance today.
Taxi insurance
Taxi insurance is designed for vehicles that transport passengers for a fare, often without scheduled pickups. This policy protects traditional taxis as well as non-luxury vehicles used for pre-booked services like airport shuttles and sightseeing tours. Coverage options can include liability, physical damage, and medical payments, tailored to meet state regulations and business needs.
Black car/limousine insurance
Black car and limousine services are forms of pre-arranged luxury transportation. Livery businesses that make scheduled appointments with specific pick-up and drop-off locations typically need black car insurance.
Non-emergency medical transportation (NEMT) insurance
NEMT vehicles transport individuals who need assistance traveling to and from appointments for medical treatment. This type of scheduled transportation doesn't include ambulances or other emergency vehicles. Progressive Commercial currently offers this coverage in select states.
Your business may not need livery insurance
If your business transports people for free, such as a complimentary hotel shuttle service, you typically don't need for-hire livery insurance. Standard commercial auto insurance may offer the coverage you need.
Not sure if you need livery coverage? Call and speak with an insurance expert. We can help you find a policy that's right for you.
How much does livery insurance cost?
There isn't a one-size-fits-all livery insurance cost. Instead, your rate will depend on specific features of your business, such as:
- Company size
- Service type
- Location
- Claims history
- Vehicle
- Coverages
- Driving record
- Policy limits and deductibles
Explore our commercial auto insurance cost information and available discounts to see other factors that can affect your rate.† When you're ready to see your exact price, start a quote.
Livery insurance requirements vary by state
The rules around livery insurance differ from state to state. Some may require higher limits or additional coverages. Progressive Commercial can help you meet the requirements where you work. We offer for-hire livery insurance in 40 states, including:
- Alabama
- Arizona
- Arkansas
- Colorado
- Connecticut
- Delaware
- Georgia
- Idaho
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Montana
- Nebraska
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
If you need livery coverage in Alaska, Florida, Illinois, Nevada, or New Jersey, you might be eligible for a for-hire livery insurance quote through a Progressive Commercial specialty agent. Contact us to learn more.
Why choose Progressive Commercial for livery insurance
As the #1 commercial auto insurer in America,* we understand the importance of protecting your business with the right for-hire livery insurance. Start a quote online to compare coverages and find what fits your needs. If you want guidance or have additional questions, you can call us to speak with a licensed expert.
More information
- What is commercial auto insurance?
- What's the difference between commercial and personal auto insurance?
- Can Progressive Commercial help me get commercial auto insurance in my state?
- What commercial auto coverages do I need?
- Black car and limo insurance: Cost factors and requirements
- Taxi insurance explained
- Insure your non-emergency medical transportation vehicles
