Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 5 named markets · read 2026-10-28

Who insures Limousines and party buses?

Limousines and party buses is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Limousines and party buses: National Interstate Insurance, Prime Insurance Company, Lancer Insurance Company, Burns & Wilcox, American Business Insurance Services (ABIS). 2 admitted carriers, 1 E&S carrier, 1 wholesaler, 1 MGA.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
National Interstate Insurance
Admitted carrier		Insurance for limousine operators of all sizes (auto liability, auto physical damage, workers' compensation, general liability, excess, property), from first-dollar policies to the Destination and Calypso group rental captives; party buses are not named.
“National Interstate has provided industry-leading, creative insurance solutions specifically for limousine operators.”		not stated (brokers across the country)not statednatl.com · read 2026-10-28
Prime Insurance Company
E&S carrier		Limo insurance for limousines, limo companies, limo services and limo drivers, including accounts previously cancelled or declined; its Bus Insurance page also lists Party Buses and party bus insurance.
“In most states, we can cover limousines, limo companies, limo services, and limo drivers.”		E&S in all 50 states; admitted commercial auto through Prime Property & Casualty Insurance Inc. in FL, IL, KS, KY, MA, NV, NJ, NM, SC; no commercial auto in NYbothprimeis.com · read 2026-10-28
Lancer Insurance Company
Admitted carrier		Limo insurance coverages for limousine operators, written since 1988; party buses are not named.
“We offer exceptional limo insurance coverages”		not statednot statedlancerinsurance.com · read 2026-10-28
Burns & Wilcox
Wholesaler		Transportation and Garage specialty lists Limousines among public transportation risks; a featured recent win is auto liability for a limo company with losses.
“Limousines”		not statednot statedburnsandwilcox.com · read 2026-10-28
American Business Insurance Services (ABIS)
MGA		Customized limousine insurance for all types of livery businesses, from owner-operators to large fleets.
“We have over 35 years of experience providing customized limousine insurance solutions for all types of livery businesses”		not stated (nationwide)not statedabiweb.com · read 2026-10-28

PHLY's Chauffeured Transportation product (fleets of 5+ vehicles, 35 passengers or fewer; not in FL, LA, MI, NV, NY) never uses the word limousine, so it is left out. Party buses are named only by Prime. ABIS's site calls itself an agency; third-party listings call it an MGA (owned by INSHUR since 2023).

How Limousines and party buses gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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