Skip to main contentSkip to content

Livery Use

🚗 Auto

Using a personal vehicle to carry people or goods for a fee. Standard auto policies exclude it — which is why rideshare and delivery drivers need special coverage.

🎓 Agent note The livery exclusion is why a personal auto claim gets denied the moment a driver was “on the app.” Rideshare/delivery endorsements or commercial auto close the gap.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.

Liability (Auto) Bodily Injury (BI) Property Damage (PD) Split Limits Collision Comprehensive (Other-Than-Collision) Uninsured/Underinsured Motorist (UM/UIM) Medical Payments (MedPay)

← Back to the full Insurance Wiki

Got a risk that needs a human? 👾

Throw it in the Monster Lab, or talk to a licensed agent.

Open the Monster Lab 🧪 Ask an agent
Call Us Get a Quote