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Public Auto

The transportation of large numbers of passengers requires specialty vehicles. Vehicles used for airport, public tours or emergency transportation must be equipped with specialty products to handle the demand of carrying a large numbers of people often over great distances. As a result, should an accident occur, repairs and maintenance can be exceptionally costly.

Public Auto Coverage through Burns & Wilcox can provide access to coverage for vehicles – owned or for hire – that are engaged in passenger transportation. With fast quotes, competitive rates, excellent client service, and unparalleled access to markets and products, Burns & Wilcox has the breadth of products and experience you need to provide clients with intelligent solutions for their public transportation operations.


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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