Limousine Insurance in Chicago, IL
Operating a limousine service in the busy and bustling streets of Chicago, IL comes with unique responsibilities and risks. Having the right limousine insurance is essential to comply with legal mandates and financially protect your business, your vehicles and your passengers. At Universal Insurance Services, we understand the challenges faced by these companies and are here to help you navigate your insurance options with confidence.
Why Limousine Insurance Matters
Limousine businesses often face exposures that go beyond standard auto risks. From transporting clients to special events to managing a team of chauffeurs, your operations require specialized coverage. Illinois law also sets specific insurance requirements for commercial vehicles and employers, making it crucial to have certain policies that meet both your business needs and state regulations.
Key Coverage Options for Limousine Services
Our team offers a range of limousine insurance solutions designed for the unique needs of the industry, including the following:
- Commercial auto insurance can financially protect your business if limousines are involved in accidents, including those that result in passenger injuries, other motorists’ losses and vehicular damage.
- General liability insurance can assist with third-party losses arising from bodily injuries, property damage and personal and advertising injuries not directly related to a collision, such as if a client is injured while visiting your offices or a competitor accuses you of slander.
- Commercial property insurance may provide financial protection for nonvehicle assets, such as your offices, garages, tools, equipment, electronics and signage.
- Business interruption coverage may help you manage losses if you’re temporarily unable to operate due to a covered incident, such as your fleet being damaged by a storm.
- Commercial umbrella insurance can provide additional liability insurance if the losses of other parties for which you’re at fault, such as due to a crash, exceed other policies’ limits.
- Workers’ compensation insurance may offset losses and expenses resulting from employees’ on-the-job injuries, including helping pay for medical bills and wage replacement.
We’re Here to Help
If you’re looking to find new coverage or review your current limousine insurance, contact us today to speak with one of our knowledgeable and experienced team members.