If you operate a limo, livery, or black car business in Florida, having the right insurance isn’t just smart — it’s mandatory. As a business owner in the for-hire passenger transportation industry, you're exposed to higher liability, stricter regulations, and unique operational risks. Whether you’re based in Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville, or Palm Beach, this guide breaks down everything you need to know about getting the best Florida limo insurance, livery insurance, and black car insurance for your fleet.
Why Limo & Black Car Businesses Need Specialized Insurance in Florida
Florida has one of the busiest and most competitive luxury transportation markets in the U.S. From airport shuttles to party buses to executive black car services, the state sees high volumes of private transportation every day.
Standard auto insurance won’t cover the risks involved with carrying passengers for hire. Instead, you need commercial auto insurance tailored for livery use — this includes limousines, town cars, SUVs, sprinter vans, and other luxury vehicles.
Key reasons why you need proper coverage:
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You're transporting paying passengers (higher liability exposure).
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Your drivers are operating under a business license or TNC permit.
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Your vehicles often make frequent stops, work long hours, and are more prone to incidents.
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Florida law requires specific limits and types of coverage for for-hire vehicles.
What Does Florida Limo, Livery, and Black Car Insurance Cover?
To fully protect your transportation business, you’ll need a comprehensive insurance package. At American US Insurance, we customize plans that match your exact business model — whether you run a single stretch limo or a fleet of executive sedans.
1. Commercial Auto Insurance (For-Hire Vehicles)
This is the core of your coverage. It includes:
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Liability for bodily injury and property damage
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Collision and comprehensive coverage
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Passenger protection
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Medical payments
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Uninsured/underinsured motorist coverage
2. General Liability Insurance
Covers injuries or property damage that happens away from the vehicle — such as at your office or during passenger loading.
3. Commercial Property Insurance
Protects your office, dispatch center, garage, and equipment from theft, fire, or storm damage.
4. Workers’ Compensation Insurance
Required in Florida if you have employees. It covers:
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Medical bills from on-the-job injuries
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Lost wages
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Legal costs if an injured worker sues
5. Commercial Umbrella Insurance
Adds extra protection on top of your liability limits. Ideal for high-net-worth clients or luxury fleets.
6. Employment Practices Liability Insurance (EPLI)
Covers you if you’re sued for wrongful termination, discrimination, or workplace harassment.
Types of Businesses We Insure in Florida
We provide livery insurance in Florida for all types of passenger transportation services, including:
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Limousine rental services
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Executive black car companies
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Chauffeur services
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Party bus businesses
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Non-emergency medical transportation (NEMT)
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Airport shuttle services
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Wedding and event transportation companies
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Private SUV or sedan operators
No matter your fleet size or service area, we can build a plan that keeps you compliant and protected.
Which Florida Cities Do We Serve?
We offer Florida black car insurance and limo coverage across the entire state, with a focus on:
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Miami
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Fort Lauderdale
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Tampa
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Jacksonville
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Orlando
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Palm Beach
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Surrounding metro areas
Whether you’re serving tourists, corporate clients, or event guests, we help you stay on the road with peace of mind.
How Much Does Florida Limo or Livery Insurance Cost?
The cost of livery and limo insurance in Florida varies based on several factors:
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Type and number of vehicles
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Driving history of your chauffeurs
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Service area and annual mileage
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Vehicle use (weddings, airport transfers, corporate travel, etc.)
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Liability limits and deductible choices
On average, small operators can expect premiums starting around $400 to $800 per month per vehicle, while larger fleets or high-risk operations may see higher rates. The best way to get accurate pricing is to request a custom quote from American US Insurance.
How to Get Livery Insurance in Florida: Step-by-Step
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Gather Information
Details about your vehicles, drivers, and business operations. -
Request a Quote
Submit your info online or speak with a licensed commercial insurance agent. -
Review Coverage Options
We'll walk you through the limits, exclusions, and endorsements relevant to your business. -
Bind Coverage & Receive Proof
Once the policy is active, you’ll receive a certificate of insurance (COI) for TNCs, airports, or contracts. -
Stay Compliant
Keep your coverage updated as your business grows or regulations change.
SEO FAQ: Florida Limo, Livery & Black Car Insurance
❓ What’s the difference between limo insurance and livery insurance in Florida?
Limo insurance is a type of livery insurance specific to stretch limousines. Livery insurance in Florida broadly refers to any commercial auto policy for vehicles that transport passengers for a fee, including black cars, sedans, SUVs, vans, and buses.
❓ Do I need special insurance for a black car service in Florida?
Yes. If you offer rides for hire, you need Florida black car insurance that includes higher liability limits and commercial endorsements. Personal or standard business auto insurance won’t cover you.
❓ Is party bus insurance the same as limo insurance?
They are similar but not identical. Party bus insurance in Florida often requires additional liability coverage due to the number of passengers and events served. It typically includes more robust commercial coverage and endorsements.
❓ How fast can I get coverage?
You can usually get same-day coverage once all your information is submitted and the policy is approved. We make the process fast and simple.
❓ Do I need workers’ comp if I hire subcontracted drivers?
If drivers are classified as independent contractors, workers’ comp may not be required — but misclassification can lead to fines. We’ll help assess your setup and recommend the right protection.
Get a Custom Quote Today
Your limo, livery, or black car service is more than just transportation — it's your livelihood and brand. Don’t let a single accident or lawsuit put everything at risk.
American US Insurance is ready to provide a custom policy that protects your business, meets Florida law, and fits your budget. Whether you're just starting out or running a multi-vehicle fleet, we’ll help you stay protected — and stay profitable.