Many small businesses require vehicles to engage in their daily course of operations. Unfortunately, the use of automobiles and other vehicles may introduce the greatest source of risk in business operations. Car accidents are frequent, and when people see that an automobile is owned by a business, rather than an individual, they may see deep pockets and seek damages that they might not have sought if in an accident with another individual. Furthermore, like individuals, businesses are required to maintain insurance on vehicles or drivers, and the failure to keep a vehicle insured not only exposes a business to liability from an accident, but also to fines for failing to keep the vehicle insured.