It's not corrupt to be unknowingly charging a premium much lower than the risk involved. Personal use is much lower risk than Uber, Lyft or DoorDash, etc. Or maybe you'd just rather have everyone pay the higher rates for commercial/business use just in case so those that do use their car in that manner will be covered in an accident. Come to think of it why not just everyone pay the exact same rate regardless of where you live, what you drive or your driving record.