For-hire livery insurance, also known as livery insurance, is the type of Commercial Auto insurance coverage that is needed for a business that transports people. Non-emergency medical transportation businesses transport individuals in need of assistance when traveling to appointments for medical treatments. Business Auto insurance helps protect your business if a passenger suffers bodily injury due to a vehicle accident. Business Auto insurance can also helps protect you if a passenger gets injured during the loading or unloading process from the vehicle.
Professional liability or Errors and Omissions (E&O) liability insurance helps protect any business that gives advice or represents the needs of others. Not having professional liability coverage could be an expensive mistake. There are substantial exposures in this industry given that many passengers may be vulnerable or frail.
Workers compensation is typically a legal requirement in most states, it is also an investment in the safety and security of your employees. Workers compensation insurance provides care for work related illnesses or injuries sustained by your employees as well as missed wages. Employers liability that is part of workers compensation coverage could cover your legal costs if you are sued by the employee for negligence.
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