Livery Insurance Coverages in Des Peres Missouri

There are a Variety of Coverages to Consider When Purchasing Limo and Taxi Insurance

Livery Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres is devoted to our clients and our commitment includes helping our clients stay of the insurance requirements for Livery Insurance Coverages in Des Peres Missouri.  Livery Insurance Coverages in Des Peres Missouri are required for limo and taxicab companies, whether they are individually operated, or a large fleet enterprise.

There are many insurance coverage features available to protect your business and it is our responsibility to ensure we can find the right insurance package that meet our clients’ needs.  Below is a list of some of the coverages…. but not all the coverages… that our agents will explain and discuss with you.

  • Uninsured/Underinsured Motorists – Provides coverage if you are involved in an accident in which the other driver was at fault, and they did not have adequate coverage to pay the cost of damages. Missouri law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
  • Medical Payments – Bodily Injury will cover victims if property damage or injuries occur if the limousine driver is at fault. Property damage liability will cover the cost if damage occurs to things, such as a garage, mailboxes, or fences.
  • Personal Injury – This type of protection covers the cost if there is an accident with injuries. This will cover part of medical costs, rehabilitation bills, funeral expenses, and lost wages at work. If a pedestrian was injured, this type of coverage will pay their expenses, and it does not matter whose fault the accident was.
  • Physical Damage – Covers the cost if there is a collision with an object. Comprehensive insurance covers damage that occurs as a result of fire, rocks, animals, etc.
  • Employment Practices Liability – If a limousine operator is accused of things such as sexual harassment, wrongful termination or discrimination, this type of insurance will protect the business.

It is our job to stay educated by the latest trends and pricing tiers in the transportation insurance industry.  We understand obtaining Livery Insurance Coverages in Des Peres Missouri can be complicated, and we are here to help!

Livery Insurance Coverages in Des Peres Missouri | Alternatives Insurance of Des Peres | (314) 822-0100Alternatives Insurance® of Des Peres aims to protect our clients and their businesses by providing a proactive approach to their insurance needs.  Our licensed agents have an abundance of knowledge in the transportation industry and are well-qualified to handle Livery Insurance Coverages in Des Peres Missouri.  Our agents have direct appointments with several insurance carriers where we can shop for you to find the best coverage at the best price.  We take the time to analyze the customer’s business type, insurance business needs and state-mandated requirements, and explain them in a language our clients can understand.

Before your appointment, make sure you have details of your business so we can get the most accurate Limo and Taxi Livery Insurance Quote.  The following is a list of items you will need to begin a Limo and Taxi Insurance Quote:

  • Complete vehicle description including the model, year, ID number, and serial number.
  • Use of the vehicle and geographical location of customer base.  (<50 miles, >100 miles, etc.)
  • Actual cash value of the vehicle as is, and the cost to buy a new vehicle.
  • Garaging location and the description of garaging location.
  • A list of all drivers’ name, age, state, license number and acceptable MVRs.
  • Loss information for past three years.
  • Documented risk management procedures for loading, unloading, and passenger safety

We do not perceive our clients as a sale. We continue to serve our clients and review your needs from time to time to ensure you continue to carry the best coverage that meets your needs.  Call us today to begin a prosperous, long term relationship with experts in Livery Insurance Coverages in Des Peres Missouri.  For a fast quote call (314) 822-0100.

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