DO NOT FUCKING DRIVE CLIENTS AROUND. If you drive them around, YOU are absorbing the liability the company should have done for NOT providing commercial insurance for your personal vehicle. (from another thread) someone hit my car in a parking lot while taking a client shopping If you admit this to insurance, then you were acting in a commercial vehicular capacity and need chauffeur's COMMERCIAL insurance. If you lie, you commit insurance fraud, a felony. If you tell the truth, then you get NOTHING from insurance. Chauffeur's insurance is like 6x your personal insurance. This is a hidden scam companies play on people who don't understand risk and liability!