Public Auto Insurance
Public Auto Insurance — Shuttles, Limos, Buses & Tour Operators
Specialty coverage for for-hire passenger transport. From a single hotel shuttle to a 50-coach motor fleet — Garzor places public auto risks with markets that still write Florida, Texas, Georgia, and 20+ states.
Who We Cover
Four passenger-transport verticals — each with its own underwriting questions, seat-capacity thresholds, and contract requirements.
Livery — Taxi, Limo & Black Car
For-hire livery vehicles, sedans, SUVs, and stretch limousines. PIP, UM/UIM, CSL liability up to $1.5M, and SAM endorsement where required.
Start a quoteHotel & Airport Shuttle Vans (8–14 pax)
Courtesy shuttles, off-airport parking transfers, employee shuttles, and corporate ground transport. Garagekeepers when you run valet.
Start a quoteCruise & Port Transfers
Port Canaveral, Miami, Everglades, and Tampa transfer operators. High mileage, high turn — coverage that fits the route economics.
Start a quoteTour, Charter & Motorcoach (15+ pax)
Theme-park transfers (Disney, Universal), sightseeing, motorcoach, mini-bus, and charter operators. Up to $5M CSL with passenger seat coverage.
Start a quoteCoverages We Place
Auto Liability $1M–$5M CSL
Combined Single Limit liability to meet contract, airport, port, and theme-park vendor minimums.
PIP (Florida) & Med Pay
No-fault medical for drivers and passengers — required in FL, optional elsewhere.
Uninsured / Underinsured Motorist
Stacked UM/UIM protects you against under-covered at-fault drivers.
Physical Damage (Comp & Collision)
ACV or stated-value coverage for your fleet, including newer hybrids and EV shuttles.
Hired & Non-Owned Auto
Protects when you rent replacement vehicles or run sub-contracted drivers.
Commercial Umbrella / Excess
Excess limits over auto + GL up to $10M — common requirement for airport and cruise contracts.
General Liability (combo)
Premises and operations liability for your terminal, dispatch office, or passenger loading zone.
Garagekeepers (valet operations)
Protects customer vehicles when your drivers move them — required for valet shuttle programs.
SAM — Single Article Maximum
Endorsement required by FL for many livery/limo operators carrying higher passenger counts.
Why Operators Choose Garzor for Public Auto
Airport & Port Specialists
We know MCO, MIA, FLL, Port Canaveral, and the vendor insurance requirements at each.
Hard-Market Capacity
Active appointments with the surplus-lines markets that still write FL public auto.
Bilingual Underwriting
Spanish & English support for owner-operators, dispatch managers, and CFOs.
20+ States
Multi-state passenger fleets, USDOT compliance, and state-by-state filings.
Ready for a Real Public Auto Quote?
Tell us your sub-type, fleet, drivers, and loss history. We quote with the markets that actually write your class — not a generic commercial auto rater.
Start Public Auto IntakePublic Auto Insurance FAQs
Get Your Public Auto Quote Today
Shuttle vans, limos, tour buses, paratransit — whatever you operate, we'll place it with the right specialty market.