With Laka the amount you pay month to month varies depending on the claims of the group members with a cap at the 38. i.e. the avg you would pay is 18.
Here is what they say for business use.
"Yes– we love people who use their bikes for work, including our cargo bikers and couriers!
But we can’t cover you whilst you're working the USA or Canada and any other countries operating under US / CAN jurisdiction or law."