For 2024 our auto insurer added a very detailed clause prohibiting use of the vehicle for Uber, etc. I suspect people who were driving for those services just weren’t notifying their insurers, but that will be a lot harder in future. It probably took a while for the big insurers to hammer out those clauses with state regulators.
For the commercial policy they probably want the applicant to be some form of corporate entity, whether LLC or some form of corp.