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Proms, Graduations, and Limousine Insurance

Orlando, Fla.—This time of the year is often associated with everything High School. With that, a lot of preparation takes place starting with Prom Night, when all kids want to look their best and really show off their good taste and manners. Riding to the Prom venue in a luxurious limo to impress everyone around, in hopes that friends and everyone will remember the majestic arrival for times to come is part of the game.

Same process replays for the graduation, on a lower  scale since it’s already been tried, but this time it will give the graduate a sense of accomplishment, and anticipation of the times ahead. Life will change, to a more independent, more hands on environment. This time, he (or she,) will be able to make their dreams come true if they persist, pursuing a career or maybe a start-up business—the options are endless.

Limousine business owners on their part, are not required to have certain insurance coverages in the State of Florida. So what happens when you are involved in an accident and your limousine service does not have proper coverage to respond for damages to the other vehicle, plus passenger injury?

Black car and limousine insurance are types of livery coverage designed to protect limos and other luxury vehicles that transport passengers on a for-hire basis. Several factors influence black car and limo insurance cost, including location, vehicle value, vehicle size, driver history and coverage needs. Your premium will likely differ if you operate in a suburban area versus a large city. The age and value of your vehicle will also be a factor. There can be a considerable price difference between an older model sedan and a brand-new stretch limo.

Consider the following Limousine Insurance Coverage Options:

Liability Coverage – If you, or one of your employees is involved in an accident and found to be at fault, this type of insurance protect you against liability risks. Your liability insurance will cover bodily injury claims, providing financial support for the medical expenses of the injured party. It will also include property damage incurred in the accident. If legal action is taken out against you because of the accident, your liability insurance will cover the cost of your defense whether you are found to be at fault or not.

Physical Damage – This type of coverage will include both comprehensive damage caused by vandalism, theft or severe weather, as well as collision damage caused by an accident.

Customization – This coverage will provide additional money for customization done to your limousine. Underinsured or Uninsured Motorists Insurance – If your limo is damaged or you sustain injuries in an accident that is caused by a party that does not have sufficient auto insurance coverage, this policy will pay for your property damage and injuries.

Employment Practices Liability Insurance – This coverage will protect you against wrongful acts of the employment process.

Our local insurance specialists at Orlando Insurance Center will also help you save in the purchase of insurance bundles.  Give us a call today at (407) 680-1214— for an initial consultation and quotes from among 20 different insurance carriers who support us!