Airport Shuttle Insurance: Orlando, Miami, FLL

Florida airport shuttle operators face strict liability requirements at MCO, MIA, and FLL. Here's how to build a public auto program that satisfies airport permits and broker contracts.

Airport ground transportation in Florida is one of the most regulated public auto segments in the country. Whether you run an off-airport parking lot shuttle, a hotel-to-airport transfer service, or a shared-ride van, the airport authority, your broker contracts, and the carrier all impose distinct insurance requirements.

Insurance Requirements by Florida Airport

Orlando International (MCO)

The Greater Orlando Aviation Authority requires ground transportation operators to carry minimum $1.5M CSL auto liability, $1M general liability, workers' compensation, and proof of physical damage. Off-airport parking shuttles need an executed Ground Transportation Permit and a Certificate of Insurance naming GOAA as additional insured.

Miami International (MIA)

Miami-Dade Aviation Department requires $1M–$5M auto liability depending on vehicle size, plus a performance bond for scheduled service operators.

Fort Lauderdale-Hollywood (FLL)

Broward County requires permitted ground transportation companies to maintain minimum $1M CSL with the County and FLL listed as additional insureds.

Coverages You Need Beyond the Airport Minimums

  • Auto Liability: $1M–$5M CSL.
  • Florida PIP + UM/UIM stacked.
  • Physical Damage with agreed value.
  • Hired & Non-Owned for backup vehicles during peak season.
  • General Liability $1M/$2M for slip-and-fall at terminals and lots.
  • Workers' Compensation — required by Florida law and by the airports.
  • Cargo / Baggage Coverage — guest luggage is not covered by auto.
  • Cyber Liability if you store reservation or payment data.

What Drives the Premium

  • Number of vehicles and seat capacity.
  • 24/7 operation vs. scheduled hours.
  • Driver MVRs and CDL-P count.
  • Loss history — airport ops are claim-heavy due to baggage and curbside incidents.
  • Whether you operate at one airport or multiple.

Why Independent Matters Here

Most standard commercial carriers will not write airport shuttle. You need a broker with access to specialty public auto markets. Garzor places airport shuttle accounts across more than a dozen carriers that specifically underwrite Florida ground transportation.

Operating an airport shuttle at MCO, MIA, FLL, or TPA?

Get an airport shuttle quote or call (321) 206-8035. We handle the COI for the airport authority same-day. See our full public auto insurance page.

Frequently asked questions

What insurance does MCO require for ground transportation operators?

GOAA requires minimum $1.5M CSL auto liability, $1M general liability, and workers' compensation. The airport must be named as additional insured on the COI before your permit is issued.

Can I use my commercial auto policy for airport shuttle work?

No. Standard commercial auto carriers exclude paid passenger transport. You need a public auto / livery policy from a specialty carrier.

Is workers' comp required for airport shuttle drivers in Florida?

Yes. Florida law requires workers' compensation for any business with 4+ employees, and the major Florida airports require proof of WC for all permitted ground transportation operators regardless of size.

Does my passenger's lost luggage fall under auto insurance?

No. Auto liability and physical damage do not cover guest baggage. You need a separate cargo or baggage endorsement.

Get a free quote or call (321) 206-8035.