Do I need a commercial auto policy?
Most personal auto insurance carriers will not cover a vehicle that maybe used for work-related activity. The only instance in which your vehicle maybe related to your work is when you use it as a way of transportation from your house to your place of work.
Some policies may be more lenient than others, but you must be extra careful and review your policy. The major problem is when self-employed people think that because they are not enrolled in big operations and are rather a small type of business, they will be exempt from being considered commercial usage.