NLIC.org

Allen Said:

What type of insurance is required to drive developmentally disabled clients in my personal vehicle while worm?

We Answered:

You need public auto liability - related to taxi and limo service.

Yes, you can buy the coverage for a privately titled vehicle, but it's EXTREMELY expensive - the liability ALONE starts at $5,000. And MOST insurance companies won't cover you at all.

Your personal auto policy cannot be endorsed, to carry people for a fee.

The way out of this, is for you to drive the family's vehicle, when carting around their client. The family can insure it MUCH cheaper than you can, as it's a family personal use vehicle.