Washington State Office of the Insurance Commissioner

Auto coverage for home health care workers and volunteers


Home health care workers occasionally use their own cars to take their clients to appointments. This activity has raised questions on how it may impact their auto insurance.

Coverage

Most personal auto insurance policies do not cover using your own car primarily or solely to transport people or property for business. This is called “livery.”

An example of “livery” is using your own car to deliver flowers for a florist. To ensure you have coverage, you need to buy a business or commercial policy for your car.

However, occasionally using your car for a business purpose is generally not considered “livery.”

General advice

Insurance coverage varies from company to company, so always check your insurance policy to see what it will and won’t cover. Contact your agent or insurance company if you have questions about what they consider to be livery.

 

 

 

 

 



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