Highly influenced by state regulations. Cov ers situation beyond the transport to and from work. Transport goods and merchandise. Floaters and endorsement to homeowner and auto policies will provide limited protection for business activities in the home or vehicle, as well as an expansion of personal liability if you carry out business activities away from home. Consider declaring one of your vehicles as a business vehicle and adjust its policy to cover business activities.
Business expands and cash flow starts to catch up.
Separate insurance for commuters is highly recommended. Future growth will be more predictable. Make a long-term assessment of your insurance needs. Carefully review if previous expansions to existing coverage are still sufficient. If you have formed a successful business relationship with one or more sole proprietors, consider Partnership insurance.