If you are transporting people in your vehicle and you are making a profit for said transportation, it is business use in most states.

Therefore, you need to talk to your insurance company.

They'll ask you how many days per month. If you transport 1 x per month, that won't be considered business but if you do it 3 days per week or something, that most definitely will.

If you do not disclose the information and you make a claim, your claim can be denied for AND you can be nonrenewed.

It's a tricky situation. I would contact a licensed agent for your state.

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