Why Do Home Inspectors Require Vehicle Insurance That Is Separate

Why do home inspectors require vehicle insurance that is separate from their personal car insurance?

A) Most personal policies do not cover damages that occur when you use your car for business.
B) Most business policies provide better coverage options than personal policies.
C) It is an easier way to track costs associated with your home inspection business.
D) It is just sound business practice to have more than one policy.