Keeping you miles ahead of the competition.
As an owner of a limousine company, your vehicles are constantly on the move. Keeping them on the road is instrumental to your competitive edge and the success of your business. American Risk Management, Inc. (ARM) specializes in providing commercial auto insurance for limousine transportation companies in the Washington, D.C. metro area. Our programs are designed to help you continue to deliver people to their destinations. We understand that your passengers may often include CEOs, politicians, diplomats, conference attendees, and others visiting the area.
On-the-road coverage for
your limousine transportation company.
With more than 80 years of transportation insurance, ARM understands the risks faced by transportation companies. We provide tailored coverages for a wide range of passenger vehicles, including owners and operators of a fleet of luxury town cars, stretch limousines, SUVs and vans. Our commercial auto insurance program includes the following critical coverages:
Bodily Injury Liability
If you’re in an accident while driving your limo and there are third-party injuries for which you are found to be responsible, the policy will pay for the related expenses and bills, including medical care, hospital payments, and rehabilitation. It will also pay for defense costs and settlements or judgments that may result from a claim, up to the policy limits.
Property Damage Liability
If you’re in an accident while driving and someone else’s vehicle or property is damage, the policy will pay for repairs or replacement of the damaged vehicle or property.
This coverage protects the driver and the passengers in your limousine. In the event your vehicle is involved in an accident and the operator or the passengers get injured, the policy will pay for the medical expenses arising from the accident.
Offers protection for your limo if it collides with another vehicle or a physical object, and pays for the costs of the limo repairs or replacement.
Protects your vehicle from accidents other than a collision. In the event of theft, vandalism, fire, or hailstorm damages to your vehicle, the policy will pay for vehicle repairs or replacement.
Uninsured or Underinsured Motorists
Protects you against drivers of other vehicles who do not carry liability coverage or who do not have enough insurance to cover the full extent of the damage if they are responsible for the accident.
We also offer Rental and Towing insurance.
Protecting you against additional exposures.
If you employ drivers in your limo operation, you also need to carry workers’ compensation insurance, which we offer. In addition, we can provide you with a business owners policy that combines general liability and property insurance to protect your operation against third-party premises liability claims and physical damage to a building you own as well as owned or leased business personal property (equipment, furniture, etc.) in the event of a loss such as a fire.
Let’s build something great together.