What is a livery vehicle?

A livery vehicle is any vehicle operated to transport passengers for a fee, a category that covers limousines, taxis, shuttles and non-emergency medical transport vehicles. The term matters mostly in insurance and registration: personal auto policies exclude livery use, and many states require livery or for-hire plates, permits and inspections for vehicles carrying paying passengers.

Why livery classification matters for NEMT

Insuring an NEMT vehicle on a personal policy is the fastest way to have a claim denied after an accident. NEMT vehicles need commercial auto coverage written for livery use, and brokers typically require $1 million combined single limit or more. Registration and plate requirements vary by state and sometimes by city. Read what are livery vehicles and our NEMT insurance explainer.