What form is used to cover taxis and bus companies in commercial auto insurance?

The motor carrier form is specifically designed to provide coverage for vehicles used by transportation companies, such as taxis and bus services, that transport goods or passengers for a fee. This form accounts for the unique risks associated with commercial transportation, including liability for damages that could occur while carrying passengers or freight.

In the context of commercial auto insurance, the motor carrier form provides essential coverage that addresses regulatory requirements and offers broader protections tailored to the intricacies of transporting people and goods. Unlike other forms, such as the public auto form, which is geared more towards government-owned vehicles, and the business auto form, which primarily covers general business vehicles, the motor carrier form is distinctly suited for operations involving the transportation of passengers and cargo in a commercial capacity.

The commercial general liability form, while critical for covering general business liabilities, does not specifically address the unique needs of commercial transportation vehicles. Thus, utilizing the motor carrier form ensures that taxi and bus companies are adequately protected under their commercial auto policies.