How does a PAP (Personal Auto) policy respond if a client use Uber or Lyft to pick up others when there is an accident. Under exclusions: Any insured's liability arising out of the ownership or operation of a vehicle while it is being used as a public or livery conveyance. Please help.

Since you are new, try these MGA's and get some business going first before getting direct appointments
http://www.piainc.com/
http://www.nlinksuite.com/
GOOD LUCK!