Originally Posted by
mwarney
Thanks for the input Scott and Chuck. I've been doing more research and I think there really is no clear cut answer. It all boils down to how much risk you are willing to accept. It is becoming clearer to me that ANY business activity with your vehicle will be excuded from coverage. Even if I only use it occaisionally, I will essentially be without coverage for the duration of those instances. I left a message with my agent to call so we can discuss. Thanks for your help!
In NYS there is a clear answer - commuting (to and from) is not business use; anything else involved with employment and/or business IS business use. For example, as Fr Chuck said, running out to pick up supplies, drop something off, visiting a client. I have seen the business/employer sued after the employee "runs out" and does not have business insurance, carrier denies coverage.
Ask your insurance agent about occasional business use. Some companies have this category, others do not.
And you aren't only putting yourself at risk if you do business errands without proper and/or adequate insurance, you are also putting the general public at risk.