When do I need commercial auto insurance in South Dakota? 

Commercial auto is generally appropriate when the business owns the vehicle or it is used primarily for work. A personal auto policy may exclude or restrict regular business use, delivery, or carrying people or property for compensation.

https://dlr.sd.gov/insurance/general_guidance/auto.aspx

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.