Which insurance type requires coverage for passenger transport in a commercial context?

Motor carrier coverage is specifically designed to provide protection for businesses that transport goods or passengers as part of their commercial operations. This type of insurance includes coverage for vehicles used to move people and is essential for businesses involved in passenger transport services, such as taxi companies, bus lines, and shuttle services.

Motor carrier coverage is tailored to meet the unique needs of the transport industry, addressing liabilities that general liability insurance or property insurance would not adequately cover. While general liability insurance focuses on bodily injury and property damage in a broader context, and property insurance protects physical assets, motor carrier coverage is crucial for any business that needs to transport passengers, ensuring compliance with state regulations and offering necessary protections for both the business and its customers.

This makes motor carrier coverage the appropriate choice for organizations primarily engaged in transporting passengers commercially, as it encompasses the specific risks associated with that activity.