Commercial Auto for Self-Employed

I'm not in the P&C space, but was pondering this question.

If you are a financial advisor (not sure if it matters if W-2 working for a Morgan Stanley type - or independent financial advisor) should you be carrying a Commercial Auto policy for driving to client appointments?

Can this be covered by endorsement on a personal policy?

Many financial advisors use their personal autos to meet clients either at their business or personal residences.

Let me know thoughts and opinions!
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