Yes. Every state requires for-hire passenger carriers to maintain minimum liability insurance. State Public Service Commissions (or equivalent agencies) set minimum coverage thresholds based on vehicle seating capacity — typically $500,000 CSL for 1-7 passengers, $1.5 million for 8-15 passengers, and $5 million for 16+ passengers. Operating without proper insurance results in fines, certificate revocation, and personal liability exposure.
Many municipalities impose additional insurance requirements beyond state minimums. Airport authorities, convention centers, and venues frequently require higher coverage limits. Learn about Alabama requirements or Florida regulations. Contact Bridgeway Insurance to ensure compliance in your state.
