Livery Insurance in Texas
If you’re a for-hire driver, you need a special commercial auto policy known as Livery Insurance. Livery insurance is a type of commercial auto policy that covers vehicles that are being used to generate revenue from transporting people.
Taxi Drivers Insurance
If you’re a taxi driver, you’ve put more miles on the road than most! While you’re no doubt an experienced driver, you will need to obtain an insurance policy just for taxi drivers. This taxi driver insurance policy is known as a livery insurance policy.
Limousine Drivers
Limousine drivers are on the road to entertain! While you’re transporting your guests in your vehicle, you are doing your best to give them a good time. Be sure you and your passengers are safe by having the correct type of insurance policy – a livery insurance policy!
Rideshare
Uber and Lyft drivers have a few options for their insurance coverage. Visit our Rideshare Insurance page or talk to an agent in our office about this type of insurance coverage.
Wine Tours
If you’re driving patrons around for wine tasting, you’ll require a specialized policy to cover risk. When you have intoxicated customers, there is more to consider.
Livery insurance is typically more expensive than a standard commercial auto policy. Be sure to ask your agent about discounts you may be eligible for.
What types of vehicles can be insured for Livery?
- Limousines & Black Car “luxury” transportation vehicles
- “Party Buses”
- Non-emergency medical transportation vehicles
- Private passenger vehicles
- Vans
- & more
If you currently own or are considering starting a livery type service, trust the insurance agents in our office to find you the right coverage at the right price for your business. We’ll compare the top-rated insurance carriers side by side so you can compare coverage and pricing options that work for you.
Frequently Asked Questions
Why do for-hire transportation businesses need specialized vehicle insurance?
Vehicles used to transport passengers for a fee create risks that personal auto insurance generally is not designed to address. The appropriate commercial policy depends on the vehicles, passenger capacity, operating area, and services provided.
Can one livery insurance policy cover multiple vehicles and drivers?
A livery policy may be structured to include multiple eligible vehicles and drivers. Texas transportation businesses should keep their vehicle and driver information current and report changes promptly.
Are passengers covered while entering or exiting the vehicle?
Coverage may apply to certain incidents involving passengers during pickup, transportation, or drop-off. Whether a specific incident qualifies depends on the circumstances and policy terms.
Are hired or substitute drivers automatically covered?
Drivers are not necessarily covered automatically and may need to be disclosed and approved. Licensing, experience, driving history, training, and employment status can affect eligibility.
What factors affect the cost of livery insurance?
Premiums may be influenced by vehicle type, passenger capacity, operating territory, annual mileage, driver records, business experience, claims history, coverage limits, and deductibles.