Insurance Requirements for the Transportation Industry
Insurance in Chesterfield Missouri is required if you own a taxi cab, limousine or own a taxi or limo service. Alternatives Insurance of Chesterfield understands transportation is a unique industry and we are here to help you with Limo and Taxi Insurance in Chesterfield Missouri! We provide personalized insurance coverages that cater to the insurance needs of taxi and limo operators – from single operators to large sophisticated fleets.
Taxi Cab and Limo Drivers need to be covered if an accident causes a large liability claim. Limousine insurance companies offer commercial auto insurance that matches the specific needs of limo services. Because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers and covers your risk for a liability claim. Our licensed agents will review your liability and assets to find the best insurance products to meet your needs. Alternatives Insurance of Chesterfield shops many carriers for you to get the right Taxi and Limo Insurance in Chesterfield ton Missouri. We serve clients throughout Missouri, including High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.
Limousine owners should also consider Employment practices liability insurance to protect the drivers for your car and protect your limousine company if one of your employees decides to sue you. Bodily injury insurance for limousine drivers is a good idea for your limo drivers to have this coverage in the event that they are at fault for an accident. And lastly, property damage liability to cover the cost of any property damage that you or your drivers cause while on the job.
Taxi insurance is specialized because as a taxi driver, you become explicitly responsible for the safety of passengers. It is important to get commercial taxi insurance that covers your vehicle against damage, theft, and personal injury. Taxi cab insurance should also include a business interruption policy, so if your car is the only way that you earn money, and it breaks down, interruption policy covers the profits that would have been earned.
There are several requirements you have to meet to purchase a taxi insurance policy. A valid Missouri, class A through E, chauffeur’s license or CDL license. You must be aged between 25 and 65, and you cannot have any convictions for vehicular manslaughter, possession of weapons or drug and alcohol problems. If you are eligible for taxicab insurance, there are various ways you can find savings and get discounts to make your coverage more affordable.
As part of the Trusted Choice Network, Alternatives Insurance of Chesterfield specializes in commercial auto insurance and can shop multiple carriers to get you the best taxi insurance quotes and make sure you get the right coverage for your needs. When our agents shop options for your Taxi and Limo Insurance in Chesterfield Missouri, we may be able to identify available discounts that most consumers are not aware exist. The price of your taxi or limo insurance premiums will vary depending on driving experience, personal circumstances and any extra coverage you need.
Alternatives Insurance of Chesterfield not only has the experience you need to manage large and small fleet insurance but also have exclusive relationships with the insurance carriers we write policies through. These relationships allow us to quote and bind policies at our office which means faster service for you.
For more information and to speak with one of our experienced agents, please feel free to call the office between Monday and Friday from 9am to 6pm. (636) 449-1213 OR click here to contact us.