Rule 32. The commission shall require every carriage and/or its owner to carry public liability insurance against loss of life or injury or property damage in an amount to be determined by the commission at the commencement of each summer season. The summer season shall be defined as the months of May, June, July, August, September, and October. Any person engaged in either sight-seeing service or taxicab service during the months of November, December, January, February, March and April shall carry similar liability insurance on the carriages that are being operated during that period.
Mich. Admin. Code R. 318.132