The New York State Department of Financial Services permits auto insurers to exclude coverage for claims arising “while the motor vehicle is used as a public or livery conveyance.” However, a New York appellate court held that the single, isolated use for money3 by the insured owner of a mini-van did not justify disclaimer of coverage.
Matter of New York Cent. Mut. Fire Ins. Co. v. Byfield (GEICO)
http://www.nycourts.gov/reporter/3dseries/2015/2015_01805.htm