Limousine insurance new york

Limousine Insurance, Bronx, Yonkers, Manhattan, NYC, NY

Limousines are always in high demand. People book these vehicles for different kinds of special occasions like weddings, proms, anniversaries, and even for corporate transportation. Limos are long and more challenging to maneuver than regular sedans, especially on busy New York streets.

They have a higher chance of getting into accidents, which is why you need comprehensive limousine insurance in New York City. At A&C Brokerage, we have a team of experienced, reliable, and honest brokers that can provide straightforward advice.

TLC Limousine Insurance

The New York City Taxi & Limousine Commission is a regulatory body that grants licenses to all kinds of commercial vehicles. It sets rules and guidelines, making sure all drivers live up to set industry standards. It handles For-Hire Vehicles (FHV), commuter vans, taxi cabs, green taxis, community cars or liveries, and luxury limousines.

If you want to drive a commercial limousine in NYC, you need a TLC limousine insurance coverage. The regulatory body has some minimum requirements, and all drivers must pass these conditions to operate legally in the city.

NYC Limo Insurance Requirements

Different kinds of limousines have different types of minimum requirements. Most drivers aren't aware of this and buy insufficient insurance, which can lead to problems down the line. According to the TLC, NYC limo insurance should provide a minimum coverage as mentioned below:
  • Cars capable of carrying 1-8 passengers need PIP or personal injury protection of $200,000, liability per person of $500,000, and liability per accident of $1,000,000.
  • Limousines with 9-15 passengers need PIP of $200,000 and liability per accident of $1,500,000.
  • Limousines that can carry 16-20 passengers need PIP of $200,000 and liability per accident of $5,000,000.

If you don’t get this level of coverage, TLC won’t grant you a license. There are several insurance companies in the market, and many provide great FHV insurance for limousines. Our experienced brokers will take careful note of all your requirements and then recommend a solution that works.

Luxury Limousine Insurance in NYC

All limousine drivers need to have three types of insurance coverage to work in the field. Your liability insurance will compensate others for damaged caused by your accident. The plan only pays if you are found liable. This plan won’t cover injuries, which is why you need an additional Personal Injury Protection plan.

A PIP will pay for all medical expenses you and other parties involved, regardless of liability. The insurance will compensate everyone involved even if you are not responsible for the accident.

Limousine owners must also get uninsured motorist coverage to protect themselves from other drivers on the road because some don't have sufficient insurance or have let their policy lapse. The uninsured motorist policy will ensure you have some financial assistance in such circumstances.

As experienced TLC insurance brokers, we will recommend the best combination of plans so you get maximum coverage and can save money on premiums. If you want to know more about limousine insurance in NYC cost or need advice, don’t hesitate to reach out to us at A&C Brokerage. You can call (212) 942-6339 or use our contact form to get in touch.

We Provide Services to the Following Cities, Towns and Surrounding Regions of NY:

  • Bronx, NY
  • Yonkers, NY
  • Manhattan, NY
  • NYC, NY
  • Queens, NY
  • Long Island, NY

Professional Limousine Insurance & Covering Services, Manhattan, NY

Limousines are a popular part of most celebratory occasions. They are a must-have in weddings, birthday parties, proms, and such events. If you have a limo or a fleet of limos, you will need the right insurance covers to provide you total peace of mind. The unique design of these vehicles makes them more challenging to drive, especially in the busy streets of New York. Their size makes them more likely to get into accidents. Besides, it is mandatory to have proper limousine insurance in Manhattan, NY.

The choice of the right limo insurance means that you will not have to worry about the cost of various types of damages. It gives you peace of mind. At A&C Brokerage, we have the experience, knowledge, and commitment required to help you choose the best insurance and insurer for your vehicle or fleet.

We will assist you in choosing the right type of coverage. Our experts will consider the latest New York City Taxi and Limousine Commission regulations to ensure that you will have the best coverage.

Automotive Liability

Liability insurance is a mandatory coverage required for your limo. If you or one of your drivers gets into an accident and are at fault, this type of coverage will pay for the other person’s damages. This includes paying for the person’s vehicle repairs or medical expenses.

Physical Damage

If your vehicle gets into a wreck, physical damage is a type of insurance that will protect your vehicle. It will pay for the repairs for your limo. It will save the trouble of having to replace a totaled car or footing a major repair bill to get back into business.

Underinsured/Uninsured Motorist

This coverage will protect your vehicle from damages caused by a collision with a motorist that doesn’t have insurance. We suggest getting this coverage if you are not choosing physical damage insurance.

Medical Payments

All passengers traveling in your limo will be your liability. It is important to get medical payments cover to protect your passengers. It will cover the cost of their medical expenses if they get injured during an accident. We can assist you in getting the right coverage from an insurance company.
Choosing the Right Limousine Insurance
As mentioned above, there are many different types of limo insurance covers. Navigating through all these options can be a challenge for you. Besides, there are many more points that need to be considered. We at A&C Brokerage can do all the hard work for you in evaluating your profile and needs and matching with the right policy and insurance company.

Some of the key questions that you need answered before choosing a policy and insurer are as follows:

  • Does a policy provide your business complete coverage?
  • Is the insurance company reputed and has positive feedbacks?
  • Are their options for bundling multiple coverage or policies together?
  • How easy it will be to update my policy with changing requirements?
  • What are the insurance company’s ratings with reputed agencies?

We can make the process of finding and securing Limousine Insurance in Manhattan, NY, much simple and quick for you. We are a licensed broker with vast experience in servicing hundreds of clients in New York and the surrounding areas.

Give us a call today if you need a limousine insurance quote. We can be reached at (212) 942-6339. You may also write to us through this Online Form and we will get back to you at the earliest.

We Provide Services to the Following Cities, Towns and Surrounding Regions of NY:

  • Bronx, NY
  • Yonkers, NY
  • Manhattan, NY
  • NYC, NY
  • Queens, NY
  • Long Island, NY

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New York Limousine Service

New York Limousine Fleet

Our vehicles

Our fleet is constantly updated and fully equipped with all comfort and safety features. Our vehicles are kept in very good condition and always in perfect condition. All of our vehicles are fully insured in accordance with limousine industry standards and local city regulations.


Book a Sedan limousine for a comfortable ride accompanied by a personal chauffeur. This black luxury limousine also seats 3 passengers and has a black leather interior, sound and climate control. Order car service sedan>

Luxury Sedan

Our upscale chauffeured sedans are neatly finished and can accommodate 3 passengers. Because our vehicles are less than three years old and equipped with leather upholstery, individually controlled air conditioning and Wi-Fi, you are guaranteed a smooth and elegant ride. Book a luxury car service >


SUVs are ideal for transporting small groups of up to 6 people and are especially suitable for business trips, airport transfers, transfers to sporting events or shows. Our trained drivers will take care of your transportation needs. Order SUV limousine >

Stretch Limousine

Our Stretch Limousines are fully equipped and can comfortably accommodate 10 adults. Equipped with Bluetooth, Hi-Fi audio system, leather bench, temp. and lighting control and intercom to communicate with the driver. Book stretch limousine >

Mercedes Sprinter

Our prestigious minibuses will ensure the journey of your teams in maximum comfort and safety. They can carry about 14 passengers and a dozen luggage. Book Mercedes Sprinter>

Party bus

Looking for a comfortable and convenient way to go to a sporting event, wedding or corporate seminar? With up to 32 seats, our Party Buses provide all the comfort you can expect from a transfer. Book a Party Bus >


Thank you for the excellent service in the shortest possible time! I opened an account and will use your services in the near future. -

Robert F.

A great evening aboard a Hummer limousine with Josh as driver! I will definitely do it again and I have highly recommended this to friends. The driver is very sociable and the city tour was amazing! -

Salina P.

Beautiful evening limousine with impeccable service. -

Frank S.

This review is about your service at the October 9th wedding. Thank you for your professionalism and smile. The limousine was in perfect condition and the photos look great! -

P. Damian