In most states, I believe you need $1 million in personal injury coverage, in addition to normal property damage coverage, but that can also vary for airport coverage limits. Some small airports require $5 million in liability coverage to be able to access the tarmac to get near private jets. If you look at Uber and Lyft actual insurance, there’s the $1 million in personal injury coverage when you have a pax, BUT, they typically only carry double the state minimum for all other coverage, which is not enough. There was a discussion on the radio here a month back, guys wife was one of 4 cars hit by an Uber driver who turned out to be uninsured. Colorado insurance minimum is 25/50/15, U/L only carry 50/100/30, in that callers case, I believe he said there was $90k in property damage. As a comparison of coverage, I have a friend that owns a limo company, his base insurance is 300/500/250 in addition to $1.5 million for personal injury when he has passengers. He carries a $15 million corporate umbrella policy in addition.