Chauffeurs deliver more than luxury transport services – they provide reliability, discretion, and a stress-free space for every client. But behind every five‑star journey lies a set of risks that can impact your business if not properly managed. Having the right insurance in place isn’t just a legal requirement; it’s the foundation of your reputation and livelihood. Here’s what every chauffeur should consider.
Motor insurance
Your vehicle is your business – protect it properly.
- Chauffeur vehicles require specialist motor insurance, not standard private car cover
- Policies should account for professional use, passenger liability, and higher mileage
- Comprehensive cover ensures you’re protected against accidents, theft, and damage
Public liability
Clients trust you with their safety – liability cover builds confidence.
- Protects against claims if a passenger or member of the public is injured
- Essential for maintaining professionalism and safeguarding your reputation
- Demonstrates to corporate clients that you take risk management seriously
Employer’s liability
If you employ drivers or staff, this cover is a legal requirement.
- Protects against claims from employees injured while working
- Ensures compliance with UK law and shields your business from costly disputes
Additional covers
Tailored chauffeur business protection goes beyond the basics.
- Breakdown assistance: Keeps you on the road and clients on schedule
- Management liability: Protects directors and decision‑makers against claims of mismanagement
- Cyber cover: Safeguards against data breaches – especially important if you store client details digitally
Protecting your business, supporting your clients
Insurance isn’t just paperwork – it’s peace of mind. With tailored chauffeur cover, you can focus on delivering exceptional service while knowing your business is protected against the unexpected.
At Howden, we make sure your chauffeur business is safeguarded with specialist insurance designed for your world. Contact us today for a free comparison and start 2026 with confidence.