Florida Limo, Livery & Black Car Insurance

Customized Commercial Insurance for Chauffeured Services Across Florida

If you own a limousine company, livery fleet, or black car service in Florida, the right insurance coverage isn’t optional — it’s essential. At American US Insurance, we specialize in limo insurance, livery insurance, and black car insurance designed to meet Florida’s unique transportation and regulatory requirements.

Whether you're operating in Miami, Orlando, Fort Lauderdale, Tampa, Palm Beach, or Jacksonville, we deliver policies that protect your vehicles, your drivers, and your business.

Coverage Built for Florida’s Livery Operators

Our policies are tailored for businesses that transport passengers for hire. Whether you run a single luxury vehicle or a full fleet, we’ll customize your coverage to meet your exact needs.

Our limo and livery insurance coverage can include:

✔ Commercial Auto Insurance for Limo & Black Car Fleets
Protects against physical damage, theft, passenger injury, and third-party liability involving your for-hire vehicles.

✔ General Liability Insurance
Covers incidents involving bodily injury or property damage that occur off-road, such as at your business location or during passenger entry/exit.

✔ Commercial Property Insurance
Covers your office, dispatch facility, garage, and business equipment in case of fire, weather damage, or theft.

✔ Workers’ Compensation Insurance
Provides medical coverage and lost wages for drivers and staff injured while working. Required for most businesses with employees in Florida.

✔ Commercial Umbrella Insurance
Extends your liability limits for additional protection beyond your standard policy coverage.

✔ Employment Practices Liability Insurance (EPLI)
Protects your business from claims related to wrongful termination, harassment, or discrimination.

Why Florida Transportation Businesses Choose American US Insurance

We specialize in livery, limo, and black car insurance across Florida.
Our agents understand the risks and regulations tied to for-hire transportation insurance.
We write policies for single vehicles, multi-vehicle fleets, luxury sedans, stretch limos, SUVs, vans, party buses, and airport shuttles.
We offer flexible liability limits, coverage options, and endorsements to match your business model.
We serve the entire state of Florida, including Miami, Fort Lauderdale, Orlando, Palm Beach, Tampa, and Jacksonville.

Who We Insure

Our Florida limo and livery insurance programs are ideal for:

Chauffeur and black car services
Limousine rental companies
Corporate transport fleets
Non-emergency medical transportation (NEMT)
Airport shuttle services
Party bus and event vehicle providers
Executive car services

Whether you're transporting VIPs, wedding guests, executives, or airport travelers, we provide the protection your business needs.

Get a Free Florida Limo Insurance Quote Today

Don’t wait until an accident or lawsuit puts your business at risk. Let American US Insurance create a custom policy tailored to your operations and budget.