Most insurance companies offer business grade automobile policies. These policies differ from standard individual auto policies in that they have different kinds of liability to cover a business. Most businesses that use vehicles in a business take out these kinds of policies.
Does a home based business need one of those? Well the answer is: it depends! It really depends on how much or how little the vehicle is used in the context of the home based business. For example someone who has a home based power washing business will be using the vehicle in conjunction with the business. If that case, the business owner may need the extra liability coverage provided by a business automobile policy. On the other hand, a home based consultant who does most of her work over the phone or via email may not use the vehicle very much in conjunction with the business.
So if you use a vehicle in your home based business, you may want to consider getting that extra coverage from a business automobile policy.