Limo Insurance California
TCP Permit & CPUC Coverage
California limo operators need a TCP permit and commercial auto insurance with $1.5M–$5M CSL filed with the CPUC. We bind your policy, file CPUC Form PL, and issue your COI the timely.
California Limo Insurance Rates by Vehicle Type
CPUC minimum coverage requirements and estimated monthly premiums for California TCP permit holders.
| Vehicle Type | Passengers | Min. Coverage (CPUC) | Est. Monthly Premium |
|---|---|---|---|
| Sedan / SUV (TCP Class C) | 1–7 | $1.5M CSL | $400 – Varies |
| Stretch Limo (TCP Class A) | 8–15 | $5M CSL | $600 – Varies |
| Party Bus (TCP Class A) | 8–15 | $5M CSL | $700 – Varies |
| Mini Bus (TCP Class A) | 16–24 | $5M+ CSL | $900 – Varies |
| Charter Bus (TCP Class A) | 25+ | $5M+ CSL | $1,200 – Varies |
What's Included in California Limo Insurance
Commercial Auto Liability
$1.5M–$5M CSL as required by CPUC. Covers bodily injury and property damage to third parties while transporting passengers for hire.
CPUC Form PL Filing
We file Form PL directly with the California Public Utilities Commission on your behalf — required before your TCP permit is issued or renewed.
Physical Damage (Comp & Collision)
Covers your vehicle for theft, vandalism, fire, and collision damage. Required by most lenders if your vehicle is financed.
Hired & Non-Owned Auto (HNOA)
Covers vehicles you rent or borrow for your limo business, and employee-owned vehicles used for business purposes.
Uninsured/Underinsured Motorist
Protects you and your passengers if the at-fault driver has no insurance or insufficient coverage — important in California.
Medical Payments
Covers medical expenses for you and your passengers regardless of fault — helps avoid lawsuits from minor injuries.
Frequently Asked Questions
Limo Insurance by California City
We serve limo operators across all of California.
Get California Limo Insurance Today
TCP compliant. CPUC Form PL filing included. COI processing.