What term refers to an exclusion in automobile liability policies when vehicles are used to carry persons for hire?

The term "Livery Use" specifically refers to the exclusion in automobile liability policies when vehicles are utilized to transport individuals for hire. This exclusion is significant because vehicles engaged in livery or for-hire operations, such as taxis or ridesharing services, present additional risks that standard personal automobile policies may not adequately cover.

Unlike personal use, which includes everyday driving activities, livery use involves a business aspect where the vehicle is used to generate income through the transportation of passengers. This distinction is crucial for insurance purposes, as insurers want to mitigate the risks associated with such operations, which may lead to higher accident rates or liability claims.

In contrast, terms like "Commercial Use" and "Business Use" are broader and can encompass various business-related activities, not solely focused on transporting passengers for hire. "For-Hire Coverage" might convey a similar idea but isn't the standard term used in insurance policies for the specific exclusion related to passenger transport for payment. Therefore, "Livery Use" is the most accurate and appropriate term to describe this exclusion in automobile liability contexts.