What does indemnity to passengers cover in a commercial motor policy?

Indemnity to passengers in a commercial motor policy primarily covers liability for negligent acts of passengers. This means that if a passenger causes an accident due to their own negligence while being transported in the vehicle, the policy is designed to provide coverage for any legal claims or liabilities that arise from that incident.

This aspect of coverage recognizes that passengers can sometimes contribute to an accident, for example, by distracting the driver or behaving in a way that leads to negligence. Therefore, indemnity provides the necessary protection for the policyholder against such risks.

The other options do not align with the intended purpose of indemnity to passengers. Liability for passengers' belongings pertains to coverage of personal items but is not part of this specific indemnity aspect. Neat and clean transportation relates more to service quality rather than coverage under the policy. Health insurance for passengers, while important, is a separate coverage area not addressed within this context of indemnity in a commercial motor policy.