Commercial auto insurance
This might be more complicated than you think. A business that uses a motor vehicle, no matter why or how often, is a business that needs commercial auto insurance. It doesn’t matter who owns the vehicle. If it’s driven for company business, the company should insure itself against auto liability and make sure drivers are licensed and personally insured with good driving records. That’s true even if the company doesn’t own any vehicles, in which case the company would have no commercial auto insurance policy so how is it supposed to insure against auto liability? This definitely is more complicated than you think.