Business use car insurance covers privately-owned cars for certain aspects of work-related driving, such as travelling to clients and between different work locations. The type of work-related driving you do determines which 'class' of business use you need, and you can extend cover to include co-workers or employees.
What is business usage?
Business use includes (but is not limited to) using your vehicle in pursuit of your occupation or profession. This includes carrying items used on your job (paperwork, laptop, samples, etc…), but not supplies.
What does business mean in insurance?
The term business of insurance means the writing of insurance or the reinsuring of risks by an insurer, including all acts necessary to such writing or reinsuring and the activities relating to the writing of insurance or the reinsuring of risks conducted by persons who act as, or are, officers, directors, agents, or