New York Taxi, Livery & Black Car Insurance

NYC black cars are seen as a form of executive travel around the city. The TLC dictates that black cars also have to have a high level of protection against liability to people or peoples’ property, with a $100,000 minimum per person, like many of the other forms of commercial auto insurance in NYC.

Operating this kind of black car service requires the right level of insurance, and to be safe you can choose to get policies that cover far more than the minimum levels, so if an accident should occur you can be confident of your insurance.

Because our team works with a number of insurers who offer all kinds of TLC auto insurance, we can help you to get a quote that offers value, but also gives you a huge level of cover, whether you are running a single for-hire vehicle or owner-operator policy or a full fleet. Remember that black cars in the state, just like limos and other forms of transport, legally have to have a certain level of insurance or you could face prosecution or have your license revoked.

When people get a black car in the city of New York they expect a certain level of service. Make sure your black car insurance meets these high standards.

Fleet insurance is the term for a policy that covers a number of vehicles within the same policy. It makes good business sense if you have a lot of different vehicles representing your company and you need to insure them all. Insurers may be able to offer better rates per vehicle for fleet insurance as they will be very keen to work with a larger operation. By using our brokerage, you can ensure that you get the best possible price. Our brokers will help by negotiating the terms and finding the cheapest comprehensive cover that ensures you stay legally compliant, but also that you have enough cover for all eventualities.

Many fleets of vehicles start small and grow, and you might need the policy to grow with you as new vehicles and new drivers join your fleet. 

Fleet insurance may not just be for companies that offer rides for hire. Many businesses require a number of vehicles for deliveries and other purposes. Combining your vehicles into one policy makes perfect sense, and our team of knowledgeable staff will happily work with you to get the right level of cover for your fleet of vehicles. It may also be much easier to add or remove vehicles from the policy. 

Next Century Brokerage provides a variety of insurance policies to individual owner-operators, named drivers, and livery fleets in New York. 

Livery vehicles are those that take travelers from point to point for a fee. They’re pre-arranged, so you can’t hail this sort of cab on the side of the road. They also have up to six passengers. They usually charge on a flat rate, mileage, or based on the time.

Whereas black cars require most payments to be made through a traceable method, this is not such an issue with livery vehicles, they can accept bank transfers or cash more readily.

In terms of livery insurance NYC, all of the vehicles that work in this category have to have insurance covering up to  $100,000 per person, $200,000 per incident of liability. The type of vehicle might play a part because they tend to carry up to six passengers. With the help of our brokers you can find affordable insurance.

There are plenty of choices for livery insurance, but they all have very different policies. Luckily we can offer the advice that you need to get the right level of cover.

The TLC that regulates taxis such as black cabs in New York also regulates the market for limos in NYC. This is why they’re called the Taxi & Limousine Commission.

Traveling in style using a luxury limousine is popular for events and for corporate purposes in New York. Not only does the driver have to have a specific license for operating a limo, but you will need a specific limo policy. Depending on the heaviness of the limo there could even be federal restrictions and you will need to get a certain level of cover based on your model of limo. Our specialists can help to negotiate the best policy for you and work out what level of cover you legally need to provide in order to ensure there is no risk in driving your limo, and no nasty shocks if an accident does occur.

Because this is a specialist vehicle, the insurers may have their own specific policies for limos, and our team of professionals can help you to find the top limo cover for your business. Though some limo insurance can be pricey, we can help you to find the cheapest comprehensive cover that protects you for all eventualities.