When we think of a limousine, we think of power and status. It’s almost impossible to detach the two from each other. For years, the car has been associated with a certain level of esteem, especially by the affluent and upper middleclass who consider it to be the epitome of luxury.
If you run a successful chauffeur business and have a fleet of limousines in particular, then you must consider insuring them for the many benefits that come with it. 
Below are three points you should consider before choosing an insurance cover for your limo.

1. Get to know your clients

When in the limo servicing business, you need to think of the weight of personal liability that comes along with your clients.  Your clients could range from high profile actors to world-class athletes. Even a minor accident could leave a dent on their career and you may be held accountable for it. 
With personal injury coverage, you evade that risk and will be able to ensure that any post-accident medical expense that arises is covered by the policy.
You don’t have to spend time thinking of scenarios like being sued for thousands of dollars by sharks in suits. The limo insurance coverage will come to your rescue when tragedy strikes. And you’ll be safe regardless of how powerful your clients are.
2. Protect your driver 
Lets face it. Even the best drivers aren’t immune to making mistakes that lead to major accidents. However, some drivers hold the moniker for being more negligent than others, thus putting passengers in danger. Reckless by nature or under the influence, either way the onus is on you to cover them for their own safety. It is advisable to also avail an employment practice liability to protect yourself from any potential harassment. This also protects you in case of any wrongful termination suit that may arise from the drivers misconduct. While it takes years to cement your status in the business world, it only takes a few seconds to witness it all come crashing down by some unnecessary lawsuit. 
3. Cover the entire fleet
Limos are a high-cost investment where the insides are just as important as the outsides. And hence need to be protected. Clients have a certain level of expectation and will take granted that the interiors be in pristine condition, all the way down to function. 
If you have the misfortune of getting a passenger who makes it his own personal mission to test your refrigerator to its limits or punch big holes in leather seats, then you will have to fix it as soon as possible. Also, your insurance cover will have to help cover any damages that arise out of a collision. Arranging for limo spare parts will cost you a bomb. 
All in all, if you're in limo renting business, it is absolutely crucial that you get them insured so that you can sleep peacefully at night. The perfect insurance cover gives you the required backing and assurance that even when all hell breaks loose, you still have something to fall back on.

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