What's the best car insurance for a care support worker?

I am a support worker and I need car insurance to carry my resident/patient to take them out and about. Could you advise me on what I require?

Am I liable for making a delivery for my work without having business insurance?

I was recently stopped for making a food delivery from the kebab shop I work in. On the day, one of our drivers did not turn up so the boss asked me to make a delivery which was very late. As I was about...