Chauffeur insurance

Chauffeur insurance is a type of commercial auto insurance that covers professional drivers transporting clients for hire, such as limousine or executive car services. Chauffeur insurance policies require higher liability limits than personal auto policies, with minimums often starting at $500,000 per incident according to Progressive and GEICO.

Most insurers, including State Farm and Liberty Mutual, mandate comprehensive and collision coverage to protect chauffeured vehicles like luxury sedans or SUVs against damage or theft. Chauffeur insurance premiums depend on factors such as driver experience, accident history, and vehicle value; for example, average annual costs range from $3,000 to $7,000 per vehicle based on Insureon data.

Policies explicitly exclude personal use of insured vehicles; claims arising from non-commercial driving activities are denied by providers like Allstate and Travelers. Coverage includes passenger injury liability if an accident occurs during a fare-paying ride, satisfying state requirements in New York, California, and Illinois.

Insurers offer add-on coverages such as uninsured motorist protection and medical payments for incidents involving multiple passengers–examples include Zurich’s chauffeured fleet riders. Licensing requirements for chauffeurs covered by these policies always specify a valid commercial driver’s license (CDL) with passenger endorsements in states such as Texas and Florida.

Insurers set eligibility conditions barring drivers with more than two moving violations in three years or one DUI conviction within five years, as sourced from YourInsurance.info. Policyholders must disclose all regularly employed chauffeurs when applying because undisclosed operators void coverage in the event of a claim according to Chubb underwriting guidelines.

Fleet discounts apply when businesses insure three or more chauffeured vehicles under one policy; carriers like Nationwide report savings up to 20% for qualifying customers.