Insurance companies differ in their guidelines and variables that might increase your auto insurance premium so it is possible your insurance company could put this into their calculations. If you are constantly transporting other people's children, like if you are part of a child care business, you should speak with your auto insurance agent to make sure your policy coverage is adequate.

If you are running a child care service you might look into purchasing a business use policy. If your personal auto insurance is enough for your needs, make sure your liability limits are sufficient.

If you need any help understanding coverage definitions you can visit our learning center.