Taxi Cab and Limo operators must provide reliable service, whether to get their passengers to the airport or to transport their party guests around town.  If you have a problem with your limo, you need to be able to fix it quickly and be back on the road as soon as possible.  You also need to be covered if an accident leaves you and your drivers exposed to a large liability claim.   MJM Insurance™ of Fenton will shop many carriers for you to get the right Missouri Limo & Taxi Cab Livery Insurance in Fenton Missouri.  We serve clients throughout Missouri, including High Ridge, Arnold, Imperial, Valley Park, Ballwin, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills and St. Clair.

Limousine insurance companies offer commercial auto insurance that matches the specific needs of limo services. Because your business involves the transportation of people in your car, van or limo, you need coverage that protects your passengers and covers your risk for a liability claim.  Some of the main coverages our transportation livery insurance companies offer include:

• Bodily Injury Liability

• Property Damage Liability

• Collision Vehicle Coverage

• Comprehensive Vehicle Coverage

• Roadside Assistance /  Towing & Labor

• Transportation Expense

• Business Interruption Expense

• Medical Expense

• Uninsured/Underinsured Motorist

• Workers Compensation

• General Liability

• Umbrella Liability

MJM Insurance™ of Fenton offers free consultations with our licensed, transportation insurance agents. They will review your liability and assets and match your transportation livery risks up with the best insurance products to meet your needs.  We will consider personal injury insurance to cover the cost of accidents and injuries involving your limousine, uninsured/underinsured motorists coverage to protect you in the event you or one of your drivers is in an accident caused by a driver who does not have enough — or any coverage to pay your damages caused by their negligence.

Limousine owners should also consider Employment practices liability insurance to protect the drivers for your car and protect your limousine company if one of your employees decides to sue you.  Bodily injury insurance for limousine drivers is a good idea for your limo drivers to have this coverage in the event that they are at fault for an accident. And lastly, property damage liability to cover the cost of any property damage that you or your drivers cause while on the job.

Taxi insurance is specialized because as a taxi driver, you become explicitly responsible for the safety of passengers. It is important to get commercial taxi insurance that covers your vehicle against damage, theft, and personal injury. Taxi cab insurance should also include a business interruption policy, because if your car is the only way that you earn money, and it breaks down, your income is at stake.

According to the Metropolitan Taxi Cab Commission, there are several requirements you have to meet to purchase a taxi insurance policy.  A valid Missouri, class A through E, chauffeur’s license or CDL license.  You must be aged between 25 and 65, and you cannot have any convictions for vehicular manslaughter, possession of weapons or drug and alcohol problems.  If you are eligible for taxi cab insurance, there are various ways you can find savings and get discounts to make your coverage more affordable. As part of the Trusted Choice network, MJM Insurance™ of Fenton specializes in commercial auto insurance and can shop multiple carriers to get you the best Missouri Limo & Taxi Cab Livery Insurance in Fenton Missouri with the right coverage for your needs.

When our agents shop options for your Missouri Limo & Taxi Cab Livery Insurance, we may be able to identify available discounts that most consumers are not aware exist. The price of your taxi or limo livery insurance premiums in Fenton Missouri will vary depending on driving experience, personal circumstances and any extra coverage you need.   Here are a few items our agents will discuss with you that might help you lower your premiums:

• Previous commercial vehicle owners may be considered for a discount based off the driver’s experience using a business vehicle.

• Taxi insurance companies may offer you a considerable discount if you own a home, this is true in many insurance cases.

• Married drivers can get cheaper insurance for the same reason as home owners.

• Executive/Limo drivers are low risk alternatives to driving a taxi.

MJM Insurance™ of Fenton not only has the experience you need to manage large and small fleet insurance but also have exclusive relationships with the insurance carriers we write policies through. These relationships allow us to quote and bind policies at our office which means faster service for you. MJM Insurance™ of Fenton works with our transportation clients to manage potential losses before they occur.

Below are downloadable links to Missouri Transportation Livery Insurance and Commercial Auto Insurance Information.

• Missouri DOT FAQs

• REVISED-2014 Missouri Update Transportation Safety Compliance Manual

• Missouri Commercial Vehicle Regulations Manual

• Missouri Commercial Vehicle Size and Weight Information

For more information and to speak with one of our experienced, transportation livery agents, please feel free to call (636) 343-5000 Monday through Friday from 9am to 5pm or contact us.