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Vehicle insurance for small business

In order for you to reduce the likelihood of very costly litigation, or trouble in the future, when insuring a car for home-based or small business, do the following:

Ask for a $2 million coverage. This is not a large sum. Property or health damage, plus legal costs of the damaged party can very quickly add up to this amount or more. 
Coverage if other party is uninsured. There are many uninsured people on the road.
Conversion option. This removes the limitation from other family members.
Put a camera, flashlight, notepad, pen, and pencil in the glovebox.

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