It is important to remember, however, that even occasional business outings may require a commercial insurance policy, depending on the regulations in your jurisdiction. Generally speaking, even a home-based entrepreneur who uses their vehicle for business transport more than once a week should think about getting a business-grade policy.
After all, if your car is involved in an accident and the back seat is full of office supplies, theres a good chance that your insurance company is going to ask some rather awkward questions.
Getting in trouble with your insurance company is exactly the kind of distraction you dont need when trying to operate a business. Ultimately, paying the extra premium could be well worth it to avoid the extra worry and hassle.
The only way to find out for sure whether or not you need a business-grade policy is to consult an insurance agent or broker in your area, and determine the exact rules and regulations in your state or province.
If it turns out that you do need a commercial plan, its best to shop around and compare quotes from several different insurance providers. That way you can be absolutely sure that youre getting the best deal, and may actually be surprised by the available policies.
