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Frequently Asked Questions
- What is LimoInsure?
- Who is D.W.Ferguson & Associates?
- Who is Zurich?
- What types of insurance coverages are offered through LimoInsure?
- What are the benefits of insuring with LimoInsure?
- What types of payment options are available with LimoInsure?
- Is LimoInsure available in all 50 states?
- What types of limousine companies are eligible for LimoInsure?
- Does LimoInsure cover sedans?
- How can I contact LimoInsure?
- Does LimoInsure cover new businesses?
- How can I apply for coverage?
What is LimoInsure? [top]
LimoInsure is one of the largest limousine insurance programs in the United States and offers insurance products specifically designed for stretch limousine companies. LimoInsure offers general liability and commercial auto coverage for qualified limo operators.
LimoInsure is a division of D.W.Ferguson.
Who is D.W.Ferguson & Associates? [top]
D.W.Ferguson is one of America's premier public auto insurance specialists with over 35 years of experience.
Who is Zurich? [top]
Zurich is a leading commercial property and casualty insurer in the United States, serving a wide range of small and mid-size companies, large domestic corporations, and global multinationals. Zurich is an A.M. Best "A" rated company* and underwrites the LimoInsure program.
What types of insurance coverages are offered through LimoInsure? [top]
- General Liability - Up to $5M.
- Commercial Auto Liability - Up to $5M.
- Hired and Non-Owned Auto, Uninsured/Underinsured Motorists, Medical Payment and Personal Injury Protection
- Physical Damage Coverage based on stated amount of insurance
- No radius restriction
- No punitive damages exclusion
- Special endorsements and/or filings for airports
- Deductibles - Optional on liability; physical damage between $500 to $5,000.
- Geography - Coverage available in all states except Alaska, Louisiana, Mississippi, Hawaii, New York, New Jersey, Massachusetts, Wyoming or the District of
- Insurance underwritten by Zurich, an A.M. Best "A" rated company*
What are the benefits of insuring with LimoInsure? [top]
LimoInsure insures thousands of limousine companies like yours. LimoInsure offers higher limits (up to $5 million) than many of our competitors, with a wide range of deductibles to fit every budget.
- LimoInsure features fast and easy applications and quotes, same day certificates, 24-hour claims response, and has no radius restrictions.
- Nationwide coverage (AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV)
- Superior claims support - responsive claims staff available 24/7
- Experience - 35 years of experience in passenger carrier and transportation insurance
- And LimoInsure is underwritten by Zurich, an A.M. Best "A" rated company*
What types of payment options are available with LimoInsure? [top]
LimoInsure offers premium financing on all policies.
Is LimoInsure available in all 50 states? [top]
Coverage available in all states except Alaska, DC, Hawaii, Louisiana, Massachusetts, Mississippi
and New York (and Miami-Dade, Palm Beach and Broward counties, Florida).
What types of limousine companies are eligible for LimoInsure? [top]
- Any limousine company that operates unmarked vehicles for hire by the named insured or an employee on a prearranged basis and used for special occasions, business functions, weddings, or similar purposes.
- Vehicle types may include stretched vehicles (up to 240 inches), high-end luxury sedans (current or 3 previous model years), vans and mini buses (not double decker)
Does LimoInsure cover sedans? [top]
Yes, LimoInsure covers sedans that comprise less than 50% of the entire fleet of vehicles.
How can I contact LimoInsure? [top]
Call toll free 1-866-562-4048 from 8 am to 4:30 pm PST, Monday through Friday or visit
www.dwferguson.com.
Does LimoInsure cover new businesses? [top]
Yes, LimoInsure can cover new businesses provided the owner has at least two years prior experience in the limousine industry and all drivers, including the owner have at least two years prior experience operating similar limousines.
How can I apply for coverage? [top]
You can call us at
1-866-562-4048 from 8:00 am to 4:30 pm PST, Monday - Friday, or Click Here to apply online.
*2008 rating
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