I was recently informed that my Travlers insurance was being cancelled due to my stepson delivering pizza. They said it was being used as a comercial vehicle.
Now with that being said,yard people,house cleaners,vendors headed to a event have to have comercial insurance. If not reported it could result in them not paying a claim if involved in a accident.
Our very own Caped Crusader has thrown some light on this,he calls it the gray area. People check your policy before it's too late.