No. Personal auto insurance policies explicitly exclude commercial for-hire activities. If you operate any vehicle — sedan, SUV, stretch limo, or party bus — for hire, your personal auto policy will not cover claims arising from those operations. Using personal insurance for limo operations constitutes insurance fraud and will result in denied claims, policy cancellation, and potential legal consequences.
You need a dedicated commercial livery insurance policy from a carrier that underwrites for-hire passenger transportation. An independent agency like Bridgeway Insurance can connect you with specialty livery carriers. Call (601) 264-0541 or request a quote online.
