Livery Business Insurance Coverage Checklist
The coverages a livery business 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 sedan, SUV, and black-car livery services. Priorities reflect typical exposure; confirm against driver and affiliate structure.
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 in company and scheduled driver-owned vehicles. | Core | |
| Hired & Non-Owned Auto | Covers the company when trips are farmed out or drivers use unscheduled vehicles. | Core | |
| Umbrella / Excess Liability | Adds limits for serious crashes with corporate clients. | Prevalent | |
| Abuse & Molestation / Sexual Misconduct | Covers passenger assault allegations — often excluded. | Prevalent | |
| Workers' Compensation | Required for employees; check state rules for independent drivers. | Core | |
| Cyber Liability | Covers corporate client and payment data. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is coverage for trips the company didn't drive itself. When a trip is farmed out to an affiliate or driven by an owner-operator, the booking company's name and liability follow it — but its own auto policy may not cover vehicles it doesn't schedule. Hired and non-owned auto coverage, written affiliate agreements with indemnities, and verified affiliate insurance close most of the gap.
Send us the checklist and we'll review your livery business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Livery Business Insurance · Livery Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a livery business business need?
The core coverages for a livery business business are Commercial Auto Liability, Hired & Non-Owned Auto, 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 livery business 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.