Limo & Charter Bus Insurance Coverage Checklist
The coverages a limo & charter bus business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for limousine, party bus, and charter operators. Priorities reflect typical exposure; confirm against fleet types and seating.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Auto Liability | Covers crashes — federal minimums rise with seating capacity; confirm limits fit the largest vehicle. | Core | |
| Umbrella / Excess Liability | Adds limits for a full-load crash. | Core | |
| Auto Physical Damage | Covers the fleet, including modified and stretched vehicles. | Prevalent | |
| Liquor Liability | Needed if alcohol is allowed on board — auto and GL may not respond. | Situational | |
| Hired & Non-Owned Auto | Covers farmed-out trips and rented vehicles. | Situational | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is maintenance and inspection accountability. In the 2018 Schoharie crash, a stretch limo that had failed two state inspections lost its brakes and 20 people died; the operator is serving 5 to 15 years for manslaughter. Carriers look closely at inspection history and vehicle age. Operators should ground any vehicle that fails inspection until it's repaired, keep brake records, and size liability limits to their largest full load.
Send us the checklist and we'll review your limo & charter bus coverage line by line, then market it across multiple carriers that compete for your account.
Related: Limo & Charter Bus Insurance · Limo & Charter Bus Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a limo & charter bus business need?
The core coverages for a limo & charter bus business are Commercial Auto Liability, Umbrella / Excess Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my limo & charter bus coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.