I have an independant insurance agency in Arkansas and would like additional sources of income. What business would be profitable and co-exist smoothly together?

i have a low budget, need to maximise profit and want to start a chauffer/personal driver business with me being the driver. i dont want to be a taxi driver though.
what type of insurance do i need? and how much would business insurance cost?
would it really matter what car i drove?
what should i charge? for example what would be a good rate for 8 hours?

I was caught with a dead brake light and given a producer. I was also caught in my work uniform and, because of the nature of the business, it was obvious I needed business insurance.

I am not insured on my own policy for business use – however, I am insured through my company with compulsary third party insurance.

My employer has made excuse after excuse about my insurance certificate and I now have only tomorrow to take it to the police.

I have taken all reasonable steps to obtain a certificate – but what can I do if I have to rely on someone else and they are being awkward about it?

At the end of the day, I am insured for business use but unless my employer “pulls his finger out”, I have no way of proving it and could face court or prosecution.

Any tips will be appreciated.
A few things:

I am insured for personal use! I have no qualms with giving them my Tesco insurance certificate but I am sure I am not insured for business use with them.