Livery Insurance Solutions

Tailored to how you drive business

Running a passenger transportation business comes with unique risks and regulatory requirements. At Risk Strategies, our Logistics and Transportation Practice focuses on livery insurance for limousines, black cars, airport shuttles, and other fleets — helping protect passengers, drivers, and vehicles with coverage built 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 design tailored livery programs that combine core protections with optional enhancements to help close coverage gaps.

Liability for bodily injury and property damage

The foundation of a strong livery program. Helps protect your business when injuries or property damage occur. 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 clients 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 Risk Strategies?

When you choose an insurance partner, you’re not just buying a policy — you’re engaging a team that understands passenger transportation operations. Our 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 partner with airport shuttles, limousine fleets, and private transportation companies nationwide. By aligning coverage with operations and supporting safety technology adoption, clients 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.

Request a risk assessment and tailored livery insurance quote

Our specialists will review your operation and help you choose coverage that protects your drivers, vehicles, and business.