Carrying coworkers to a job site is ordinary here and it sits close to a line a personal auto policy draws. Whether anybody pays, and what the arrangement looks like, decides which side you are on.
Sharing fuel costs is usually fine. Being paid to transport people is not.
Three things about driving other people to work.
Personal auto policies exclude carrying persons or property for a fee. Sharing fuel costs with coworkers is generally accepted as carpooling. Being paid a set amount per person per day starts to look like livery, which is excluded. The distinction is about compensation and arrangement rather than about who is in the vehicle.
A vehicle carrying several people turns a single-car accident into several injury claims at once, all against your liability limit. State minimum limits are nowhere near adequate for that arithmetic, and it is the clearest reason for higher limits in a household that drives others.
Where an employer arranges or requires the transport, their cover may be involved and may not. Where it is purely your own arrangement, it is entirely your policy. Knowing which applies before a crash is considerably better than afterwards.
The arrangement, not just the vehicle.
Cost-sharing and per-head payment are different answers.
It is the number that should set the liability limit.
It can change whose cover responds.
Tell us how many people ride regularly and whether anyone pays to do so.
We set the liability for a full vehicle, not a single driver.
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