In that case, there's no question about which insurance policy will cover an accident. But some companies expect employees to use their own cars when they're out on company business, and if you're self-employed, you may use your car for both business and personal reasons. This gray area between business and personal use raises a whole passel of questions about car insurance. The answers will depend on your specific situation. Let the adjuster know that you were traveling on business.
Most large corporations have commercial policies that cover employees while they're traveling.
If you're driving your own car on company business and you get into an accident, then chances are that your own policy will kick in first, but it's also possible that your employer's insurance will pay before your own. Be sure to check with your employer and your insurance agent to get the lowdown. Your employer should know the basics about auto insurance coverage for its workers. Make sure you understand how it works at your company. If you are covered through a company policy, find out from your employer who you should call if there's an accident and carry that information in your car.