All public transport companies are required to take out compulsory passenger insurance. Failure to do so is considered a crime. It covers personal injuries that a passenger may suffer. If you go by bus, taxi, train, plane, boat, etc. the ticket you buy includes insurance. It doesn’t matter if you are going to work or taking a pleasure trip to Lapland.
In addition, transport companies hold a Civil Liability insurance policy that covers the responsibility that the driver may cause to others, including accompanying persons.
Are you more relaxed now?