Personal auto insurance	Commercial auto insurance
Grabbing morning doughnuts for co-workers.	Delivering pizzas to paying customers.
Driving friends to a concert.	Transporting people to a concert as an Uber driver.
Taking weekend road trips.	Regularly driving long distances to meet work clients or visit job sites.
Commuting to the construction site where you're working.	Hauling tools and equipment to the construction site where you're working.