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Limo Insurance

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Limo insurance, also known as limousine insurance, is a type of commercial auto insurance specifically designed for limousines used for hire, often for private events or business purposes. It’s distinct from standard car insurance and provides coverage for the unique risks associated with limousine operations, such as passenger liability and specialised vehicle needs. 
 
Key features and benefits of limo insurance include:
  • Specialised coverage:
    Limo insurance typically includes features like unlimited windscreen cover, liability coverage (for damages to third parties), and chauffeur cover for businesses. 
     
  • Private hire risks:
    It’s designed to protect against the specific risks associated with limousines used for private hire, including passenger liability and specialised parts/labour needs. 
     
  • Liability coverage:
    Limo insurance often includes liability coverage to protect against claims made by passengers or members of the public if an accident occurs. 
     
  • Physical damage protection:
    It provides protection against damage to the insured limousine itself, including collision coverage and other potential damages. 
     
  • Chauffeur-related coverage:
    Some policies include coverage for the chauffeur, including driver liability and potential employment liability issues. 
     
In essence, limo insurance provides comprehensive protection for limousines used for hire, addressing the specific needs and risks associated with this type of vehicle and its operation