I'm not sure if the amounts would vary depending on your business, but I'll throw my info in the ring. My hubby has commercial insurance on his truck. Our regular carrier wanted a lot of money for it. I found a policy at Geico for $250 a year, which was less than our old company wanted for 6 months. But, no day care kids are involved. Prices may be really different when transporting people.

We had to have commercial because he pulls a small trailer 3 days a week.

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