Limo & Black Car · Florida
Florida Limo, Black Car & For-Hire Livery Insurance
Charter and black car operators require liability limits standard auto policies cannot touch. We compare Florida limo and livery insurance across multiple A-rated carriers to protect your fleet.
What exact liability limits does Florida require for limousines?
Florida mandates strict commercial liability limits for premium limousines and for-hire livery vehicles. You must carry a minimum of $125,000 per person, $250,000 per incident and $50,000 in property damage liability (§ 324.032, Florida Statutes) to protect your paying clients in the event of an accident.
Limo Insurance for Charter vs. App-Based Black Car
Charter and livery
You take the booking, you own the vehicle, and the policy is yours. Florida's for-hire limits apply to the vehicle whether it carries one passenger or eight, and the certificate you hand a hotel, a venue or an airport comes off that policy.
App-based black car
The platform carries coverage set by statute: $50,000 per person, $100,000 per incident and $25,000 property damage while a driver is logged on and waiting, and at least $1 million from the moment a ride is accepted until the passenger steps out (§ 627.748). It covers the app's work, not yours — the moment you take a booking directly, you are back on your own policy. Companies that run an app have their own page: TNC insurance. Driverless networks follow a parallel rule: autonomous fleet insurance.
What Limo Insurance Covers
For-hire auto liability
Written at the limits the state requires, or higher where a contract, a venue or an airport permit demands it.
Physical damage on the vehicles
Comprehensive and collision on a stretch, a sprinter or a sedan, at values that reflect the build, not the book value of a used car.
The business behind the wheels
General liability for the operation, plus hired and non-owned coverage for the nights you run a subcontracted vehicle.
Florida Limo Insurance Requirements by Vehicle
| Vehicle | Minimum liability | Where it comes from |
|---|---|---|
| Limousine, jitney, other for-hire passenger vehicle | $125,000 / $250,000 / $50,000 | § 324.032, Florida Statutes |
| Taxicab | $125,000 / $250,000 / $50,000 | § 324.032, Florida Statutes |
| Fleet of 300 or more for-hire vehicles | Self-insurance permitted, capped at $300,000 per occurrence | § 324.032, Florida Statutes |
| App-based driving, logged on and waiting | $50,000 / $100,000 / $25,000 | § 627.748, Florida Statutes |
| App-based driving, ride accepted to drop-off | At least $1,000,000 | § 627.748, Florida Statutes |
State minimums are a floor, not a recommendation. Contracts, venues and airport permits routinely require higher limits, and those requirements are quoted per operation. To see what moves the premium, read our guide to limo insurance cost in Florida.
Before Your Limousine Insurance Quote Call
- Year, make, model and seating for every vehicle, plus the VINs.
- Your driver list with licence numbers and dates of birth.
- Annual mileage per vehicle and the radius you usually run.
- Any contract, venue or airport permit that names a required limit.
Who insures limo and black car operators in Florida?
American US Insurance is an independent, bilingual insurance agency in Miami that places for-hire and livery coverage for Florida operators. Being independent means we compare multiple A-rated carriers, including the ones that specialise in livery risk, and we work for you rather than for a single company. We insure single-car black car operators and multi-vehicle charter fleets alike, and a licensed agent handles the certificates, the driver changes and the renewals.
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Send us your fleet list, drivers, and contract requirements. We aggressively shop your limits across multiple A-rated Florida carriers to deliver real, affordable options.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
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