As a matter of convenience or cost saving, a primary school—weighing the value of the activity to which the students will be transported against the various types of hazards involved—commonly authorizes the transportation of pupils by staff members in their private cars for extracurricular activities. The school is aware of the risk exposure to damages that may be caused by its staff while driving their own cars. What type of insurance coverage would an insurance agent recommend to the school to comply with its liabilities?