One of your students is the Chief Executive Officer of a local computer peripheral manufacturing company. The company has been using a local charter service for much of its transportation throughout the region, but they are not happy with the service. Impressed with the professionalism of your operation, she urges you to add charter operations to transport her company's executives, maintenance personnel, and rush shipments. You do some additional market research and draft a business plan, which confirms the profit potential in the local market. If you expand your business to add this service, will you make changes to your insurance coverage? If so, describe.