"A business-use endorsement is just so you and the carrier understand each other that this vehicle is used for business purposes," Kuryak says.In some instances you may not need additional coverage. Say, for instance, you're a self-employed writer and drive occasionally to your literary agent's office. In that case a personal policy likely would suffice, and a business-use endorsement would not be necessary, Kuryak says. But if you drive frequently for business, the insurer may require the endorsement or have you upgrade to a commercial policy. The choice will vary according to your circumstances and the insurer. A business-use endorsement on a personal policy may be sufficient if you're a sole proprietor, use only one vehicle for the business and you can purchase high enough coverage limits to protect you and the business, Gusner says.