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Public Auto

A transportation company was recently ordered to pay $5 million after its driver struck a pedestrian while driving a school bus in New Jersey. Large settlements are not uncommon in the passenger transportation industry.

All businesses in this sector require customized protection to mitigate the risks they face on a daily basis. Use this opportunity to provide necessary coverage solutions.

Public Auto Coverage is designed to protect companies that have owned or for-hire vehicles that are used for passenger transportation.

Coverage Details and Features


  • Available coverages vary by class
  • Automobile liability coverage with primary limits up to $5 million
  • Uninsured/underinsured motorists (UM/UIM)
  • Medical payments
  • Personal injury protection (PIP)
  • Hired and Non-owned
  • Physical damage coverage based on stated amount of insurance
  • Multiple radius options available


  • Completed Application
  • Loss information for past four years
  • Complete drivers list and acceptable MVRs

Target Classes

(including but not limited to)

  • Airport transportation
  • Church buses
  • Courtesy buses
  • Sightseeing tours
  • Guided tours
  • Charter buses
  • Day Care transportation
  • Athlete buses
  • Entertainer buses
  • Intercity Bus Transportation
  • Rural bus transportation
  • Special needs transportation
  • Emergency transportation
  • Hotel and motel transportation
  • Recreational vehicle for parks and campsites
  • Limousines, vans, van pools, and SUVs
  • Trolleys and trams
  • Non-emergency medical transportation
  • Social service transportation
  • Taxis
  • Party busses
  • Courtesy Vehicles
  • Ambulances
  • Adult Day Care
  • Executive Car Service
  • Casino Bus
  • Employee Shuttles and transportation
  • Farm Labor Transportation
  • Funeral Services
  • Grocery store delivery vehicles
  • Restaurant food delivery vehicles
  • Ice Cream Vendors
  • Jeep tours
  • Kids Taxis
  • Assisted Living Transportation
  • Drivers Education and Driving Lessons
  • Truck driving schools

Ask an Expert

Can you explain what public automobile and livery insurance covers?
Public automobile and livery insurance covers the risks associated with commercial vehicles that transport passengers. It’s designed for buses, taxis, airport shuttle vans, limousines, non-emergency medical transportation, social service mobiles and daycare vans.
What makes public automobile and livery coverage unique?
Because these vehicles are engaged in passenger transportation, drivers need specialized training, in addition to providing proof of a favorable driving record.
What information is most important for brokers and agents when helping a client select a public automobile and livery policy?
Brokers and agents need to serve as risk managers for their clients, making sure that clients have provided drivers with proper training and are adhering to procedures for safely loading and unloading passengers. Additionally, it’s important for the broker or agent to inquire about modifications that have been made to the vehicle, such as seating or other equipment. If these modifications were not properly installed by a trained technician, or do not abide by certain standards, the clients will have a greater likelihood of loss.

Applications for this product may vary. Please click below to find the office nearest to you for assistance.

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