: This may be your best bet to ensure you’re fully covered no matter what happens; however, it can get very expensive very fast.
Buy a personal policy and add a commercial designation to your plan: Some insurers offer commercial designations as an add-on, and others allow you to designate specific hours during which your vehicle will be covered for personal or business use.
Buy a commercial policy that allows for some personal use: Most commercial policies allow for at least some personal vehicle use, but some have very strict rules about how a commercial vehicle can and can’t be used.
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