Anyone that owns a car knows how easy it is to buy insurance nowadays, if you have internet access or a phone of course.
Most car insurance companies will have a website where you tick a load of boxes and put in what you think is the correct information, you get a quote and buy the policy. There is a risk of course that you mis-read one of the questions and 3 years later have a claim which the insurers say is not covered because of some tiny sentence in the small print.
Because it appears so easy, you can get complacent, particularly when great savings are on offer. The same will apply to business car insurance. If the car is owned by or has a lease in the name of the business, you must have a specialist type of policy.
Cars used for business tend to do higher miles, they travel during peak traffic times and whether we will admit it or not, they are not cared for as well as a car that you own in your own right. For this reason, business car insurers charge higher premiums and sometimes have more onerous conditions than a domestic car insurance policy.
You will need to be extra careful that you arrange a suitable policy because the last thing you or the business wants is a claim repudiated, or turned down, because you did not have a suitable policy. It is a false economy to buy a policy that is not suitable because insurers can be tough and if you have declared information (at inception) they will rely on that to deny you a claim.