In most cases a personal auto policy will not cover damages that occur when the vehicle is being used for business purposes. This is because the primary reason the vehicle is where it is, is a result of the actions of the business. Even if your being nice and running a quick errand to the coffee shop in your car.  Therefore, the liability for the accident lies within the business and not the individual.  In most cases, the personal insurance policy will pay to cover the damages to your car, but it will not cover your liability to third parties. That liability falls on the shoulders of the business.  For that reason, you will need to secure either a commercial auto policy or a hired owned auto policy.