[nawitus]

Should insurance be higher or lower for commercial transport, and if so, why?

[uptown]

Arguably yes. The vehicle is in-use for a greater percentage of the average day increasing the likelihood of being involved in an accident. Also, the vehicle is expected to be carrying more than the owner leading to additional injury claims in court.

[DanBC]

Using a non-commercial insurance policy for a commercial-use vehicle is fraud and routinely leads to declined claims.

The vehicle driver might be aware of that and take the risk anyway, but passengers are usually not aware of this and need some protections.

[nawitus]

I'm not interested in that, I'm interested in whether or not commercial transport increases insurance costs on average.

Although this question is slightly less interesting because of typical insurance policies being neutral on the number of kilometers driven.