To an insurance company, any level of business activity is business activity. Common activities related to your business don't fall under the heading of business activities. For example, this might include a delivery man visiting your home. These kinds of activities are business activities. Home business owners don't think they can obtain business insurance.
Many brokers represent more than one insurance company.
Let them do the checking. Extent of usual business coverage is transportation to and from work. Automobile might need to be declared as a business vehicle in order to maintain coverage. More extensive coverage for damage or loss to business inventory and equipment. Can include basis coverage for business liabilities, loss of earning, and errors and omissions.