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That’s important because most personal auto policies won’t cover you if you get into an accident while working for one of these companies, Pappas said. In fact, he said, he knows of instances where insurers have canceled a personal policy after discovering the person worked as a driver, even though the accident may have happened on personal time.

His suggestion: Take 15 or 20 minutes to look into what it would cost you to insure your business. It may be $500 a year, or lower.