I'm also looking for the same thing. but are you just going for public liability? I've been told that professional indemnity insurance is also something to look at. As for car coverage. The insurance company rarely charges for upgrade to business, unless you're carrying good like a professional salesman for example. I guess it depends on what you intend carrying in your car or van. Do you belong to a trade organisation? You may find you can get specialised insurance cheaper through them. My husband is an author, he belongs to the society of authors and he has found them excellent. Good luck. I imagine your service will be very popular as people seek to save money on high street prices.