When it comes to driving your own personal car, you can get away with minimum insurance. If you’re a safe driver and can cover minor issues out of pocket then you might as well save a few bucks on all that extra coverage. When it comes to driving as part of your job (and not just getting there and back), going the extra mile can give your customer a sense of comfort that will keep them coming back, especially when it’s customers that you’re transporting. This is especially true when it comes to chauffeur insurance. People rent limousines not because they need to get from point A to point B, but because they want to do it in style and luxury, and what’s more luxurious than peace of mind?
Remember that driving a limo isn’t the same as driving a taxicab. Even if it’s not one of those impossibly long stretch limos that require a degree in engineering to maneuver around a street corner, you’re going to have people drinking in the backseat, you’re going to be carrying a party around town, and your passengers probably aren’t going to be wearing seatbelts. A limo is a transport service, but it’s also sort of like a nightclub on wheels.
The best way to protect your clients is to be very picky about who you hire to drive your limos. A taxi driver has to be concerned with getting to their destination quickly, a limo driver needs to be able to do it with a soft touch. If you’re in a limo, you’re not in a hurry, you want to glide into an event in style. Nobody’s ever gotten into a limo and said “…and STEP on it!” Limo driver liability will cover your drivers in the event of injury and damages, but it won’t help if your driver simply doesn’t know how to maneuver the car with a certain degree of grace.
Briefing your clients on limo safety can help, too. For instance, we always see people sticking their heads out the sunroof in movies, but it’s not always such a great idea in real life. You never know when you’re going to catch a mouth full of bugs trying that or go bouncing out onto the roof when the car hits a bump. Not to mention, it’s illegal in a lot of places (yes, including Las Vegas), and while your passenger is likely to be the one getting hit with the ticket, you don’t want them having a bad experience in your car, even if it’s not your fault.
Limo insurance is there to cover your financial risks, but it’s your job, and the job of your drivers, to make sure your passengers have a smooth ride. Luckily, everything that makes a limo ride a little more safe can go a long way towards making it more luxurious, as well.
