Question 1

Do you insure airport and cruise port shuttle services?

Accepted Answer

Yes. Orlando International (MCO), Melbourne Orlando International (MLB), and Port Canaveral cruise terminal shuttles are a core part of our passenger transportation book. We meet the higher liability limits required by cruise lines and airport ground transportation programs.

Question 2

What liability limits are required for passenger transportation in Florida?

Accepted Answer

It depends on vehicle size and use. Vehicles carrying 8–15 passengers typically need $1.5M, charter buses (16+) need $5M federally, and TNCs/limos vary by contract. Many resort, cruise, and corporate clients require $5M as a vendor minimum.

Question 3

Do you cover non-emergency medical transport (NEMT) in Brevard County?

Accepted Answer

Yes. NEMT vehicles serving Medicaid, dialysis, and senior transport routes throughout Brevard County require specialized coverage including passenger liability, abuse and molestation, and Medicaid-compliant filings — all of which we place.

Question 4

Is passenger transportation insurance more expensive than trucking?

Accepted Answer

Generally yes, because passenger liability limits are higher and human cargo carries greater exposure than freight. However, we shop multiple specialty carriers to keep premiums competitive for shuttles, limos, charters, and NEMT operators.

Question 5

Do you write coverage for limos, party buses, and luxury black-car services?

Accepted Answer

Yes. Limousines, executive sedans, party buses, and luxury SUV services across Melbourne, Cocoa Beach, and Orlando are routinely covered, including livery liability and passenger amenities endorsements.

Question 6

Can you cover charter buses for school, church, or corporate groups?

Accepted Answer

Yes. Charter and motorcoach operators serving schools, churches, sports teams, and corporate clients across Florida's Space Coast are part of our passenger transportation programs.

Passenger Transportation Insurance

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