Yes I do make more than $1,000 a year with them.
To what LabRat said about you can take public transportation, etc. Yeah right!, but actually I think you just have to have the means to pay a claim, so if you are a millionaire, you don't legally need liability insurance. Not a possibility for most of us, and if the millionaire is smart, he won't risk loosing it all, since the premium is pocket change to him. Correct me if I'm wrong.
Also forgot to mention that my van is on a separate commercial policy than my wife's car, and my clown car. My brother in law is also a carpet installer, with a commercial policy. When his son turned 16, and got his licence it didn't cost one dime more to put him on the policy, as long as he was driving a truck, van, or mini van. So I've got something to look forward to.