Florida licenses a limousine by county and sets no state limousine minimum. The $125,000 figure is for taxis.
Section 324.021(7), the policy a limousine operator may prove financial responsibility with under section 324.032(1)(b). It is the floor for holding the county permit and nothing else; no hotel, venue or airport contract accepts it. We set the coverage up and produce the certificate — usually the same day.
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One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
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What Florida requires
Does Florida set a minimum for limo insurance?
The state sets no limousine-specific figure. Section 324.032(1)(b) lets an operator of limousines or jitneys prove financial responsibility with an ordinary motor vehicle liability policy, and section 324.021(7) defines that policy at $10,000 for one person, $20,000 for two or more and $10,000 property damage. The $125,000, $250,000 and $50,000 figures in the same section apply to taxicabs and not to a limousine.
leg.state.fl.us·checked 2026-09-07
Who licenses a limousine in Florida?
Florida licenses limousines by county. Section 125.01(1)(n) gives the county commission the power to license and regulate taxis, jitneys, limousines for hire and other passenger vehicles for hire, so the permit, the vehicle decal and any conditions on the policy come from the county you dispatch from, not from Tallahassee.
leg.state.fl.us·checked 2026-09-07
Does the policy have to be filed with the state in Florida?
Florida has no state filing for an insured limousine: under section 324.032 the operator proves financial responsibility by furnishing satisfactory evidence of a motor vehicle liability policy, and self-insurance is open only to an operator running at least 300 for-hire vehicles. Whether a certificate has to be filed is a question for the county ordinance that licenses you, which this page has not read.
leg.state.fl.us·checked 2026-10-04
A limousine is outside Florida no-fault. Section 627.733(1)(a) requires personal injury protection of every motor vehicle owner other than a school bus or a limousine, so the PIP that every private car in the state carries is not part of a limousine policy.
leg.state.fl.us·checked 2026-09-07
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
Limits
What to carry, and why that number.
- Liability, ordinary policy$10,000 / $20,000 / $10,000
- Taxicab figure that does NOT apply$125,000 / $250,000 / $50,000
- Section 324.032(1)(a) sets this for taxicabs. It is the number most often misquoted as the Florida limo minimum, and it is not one.
- What a hotel, venue or airport contract asks for$1,000,000 combined single limit or more
- Not a Florida figure. A hotel, a wedding venue, an airport concession or a corporate account asks for a million on the certificate and often names itself as additional insured, and a policy written at the state floor cannot produce that certificate. Party buses and anything over 15 seats are asked for $5,000,000 by the customers that book them.
Coverage
Eight lines. Each one closes a specific hole.
Commercial auto liability at the filed limit
Injury and property damage caused by the vehicle, at the limit your filings demand. For-hire passenger carriers in interstate commerce need $5,000,000 of liability coverage on any vehicle seating 16 or more including the driver, and $1,500,000 on any vehicle seating 15 or fewer including the driver.
Without it — A personal auto policy excludes a vehicle carrying people for a fee, and a commercial policy written below the filed limit leaves the operator holding the difference after a serious loss.
Physical damage on stretch conversions
Collision and comprehensive on a stated value that reflects the coachbuilder’s invoice as well as the chassis, so a totaled stretch pays out as a stretch.
Without it — A policy that values the vehicle as the sedan it was built on pays for the sedan. The conversion, which is most of the cost, is your loss.
Hired and non-owned auto
Liability for rides farmed out to affiliate operators and for owner-drivers who bring their own vehicle under your name.
Without it — The dispatcher’s name is on the booking. When the affiliate’s vehicle crashes, the suit names the company the client hired.
General liability
A client hurt stepping off the curb, a slip in your office, a claim about the champagne and not the driving.
Without it — The auto policy answers for the vehicle in motion. What happens beside it and around it needs its own policy, and every hotel and venue contract asks for one.
Abuse and molestation
Defense and damages for an allegation involving a passenger, which for a chauffeur alone with a minor on prom night is a real exposure.
Without it — General liability commonly excludes abuse outright. An allegation with no coverage means paying your own lawyer from the first letter.
Liquor liability
Injury caused by an intoxicated passenger you served or allowed to drink on board, including to someone they hurt after you dropped them off.
Without it — A stocked bar in the back of the vehicle is a liquor exposure, and the auto policy does not answer for it.
Workers compensation
Chauffeurs hurt lifting luggage, in a collision, or assisting a passenger in and out.
Without it — A chauffeur you call a contractor is still an employee to most state boards, and an unpaid injury claim becomes a penalty plus the claim.
Umbrella
A limit above the primary auto and general liability policies, for the contract that asks for more than the filing does.
Without it — A stretch carries ten people. One collision produces ten claimants against one limit.
In Florida
The organizations that will ask for your certificate.
- Florida Office of Insurance Regulation · Licenses the carriers and agents that write the coverage.
Questions
Does Florida set a minimum for limo insurance?
Not a limousine figure. Section 324.032 lets a limousine operator prove financial responsibility with an ordinary motor vehicle liability policy, which section 324.021 defines at $10,000, $20,000 and $10,000. The $125,000, $250,000 and $50,000 in the same section is the taxicab rule and does not apply to a limousine. The county that licenses you may demand more in its ordinance, and every hotel and venue contract will, so the state floor is not the number on your certificate.
Does the state minimum in Florida match what a hotel or venue asks for?
No, and not in any state. A hotel, wedding venue, airport concession or corporate account asks for a $1,000,000 combined single limit on the certificate and names itself as additional insured, and a party bus is asked for $5,000,000 by the customers that book one. The Florida figure is the floor for holding the permit or the plate; the contract figure is the floor for getting paid. The policy is written to the higher of the two, and the state filing, where Florida has one, is satisfied on the way.
Do I need workers comp for chauffeurs in Florida?
Four or more employees outside construction, counting corporate officers and LLC members who own at least 10 percent. Agriculture is six regular workers, or twelve seasonal. (Fla. Stat. § 440.02(20)(b)2.). A chauffeur who drives your car, on your schedule, wearing your uniform, is an employee whatever the paperwork calls them, and a limo company’s payroll is almost entirely drivers, so the threshold is reached with the first hire. The claims are back injuries from luggage and collisions on the job, and the auto policy does not pay a driver’s own medical bills; workers comp does.
Will my personal auto policy cover a limousine I drive for hire?
No. The standard personal auto policy excludes liability while the vehicle is used to carry people or property for a fee, which the form calls public or livery conveyance. A limousine booked by the hour is the definition of it. The exclusion applies whether the carrier knew about the business or not, so the discovery happens at the claim.
What livery insurance is, and why the personal policy excludes it
What limits does a limousine service have to carry?
For-hire passenger carriers in interstate commerce need $5,000,000 of liability coverage on any vehicle seating 16 or more including the driver, and $1,500,000 on any vehicle seating 15 or fewer including the driver. California charter-party carriers file their limits with the Public Utilities Commission under General Order 115, which sets $5,000,000 at 16 seats or more, $1,500,000 at 9 through 15 seats and $750,000 at 8 seats or fewer, in every case counting the driver. A six-passenger sedan and a twenty-passenger stretch SUV are therefore filed at different numbers, and a hotel or venue contract can ask for more than either.
How much does limo insurance cost?
There is no rate card, and a figure quoted without seeing the fleet is a guess. The price moves on seat count, because the seat count sets the limit. It moves on the drivers, the radius, the claims history, whether alcohol is on board, whether you carry minors, and on what a stretch conversion costs to replace. The guide walks through each one and what you can do about it before you ask for a quote.
We also run a party bus. Is that the same policy?
Usually the same carrier and a different conversation. A party bus crosses sixteen seats, which raises the federal filing to $5,000,000, and it carries alcohol and standing passengers, which are the two things a limousine underwriter did not price. Disclose it as its own vehicle with its own use.
What about executive sedans and SUVs with no stretch?
Black car work is livery at the sedan end. The federal band is the lower one, California files a sedan at $750,000 rather than $1,500,000, and the underwriting questions are about drivers, airports and affiliate work rather than conversions and prom nights.
Who actually writes limousine insurance?
A short list of specialty passenger carriers, and it is the same list for the whole public auto class. National Indemnity treats limousines and party buses as target business. Berkshire Hathaway Homestate writes limo alongside taxi and school bus. Lancer is strongest on charter and coach. A decline from a general commercial auto carrier says nothing about whether the account is placeable with them.
Do you write motorcoaches and charter buses too?
Yes, and the charter page is the one to read for a coach. Everything at sixteen seats or more files at $5,000,000, and a motorcoach adds the MCS-90B endorsement, the physical damage value of a coach and the school and tour contracts that ask for more.
Read next
The coverage itself, explained.
Florida decides what you must carry. These explain what you are buying, what it excludes, and what moves the price.
Coverage
Tell us what you do. We’ll tell you what it costs.
Licensed in Florida. Have your payroll figures and a list of services on hand — those are the two things that slow a quote down.
Start a quoteLast reviewed 2026-09-07