I have had several conversations over the last couple of years with some insurance executives and other experts regarding this new personally owned commercial transportation.
Of course I cannot speak for others, nor do I know anything about your situation, but just know this: the idea that you turn into just a private personal vehicle after dropping off a client is not necessarily true.
Particularly if you were on commercial property like airports, hotels, other public areas where commercial transportation is typically contracted. The example given to me, by an underwriter was this: "if you drop off a passenger , and after departing their home, strike their child on a bicycle, you were an uber driver, the pax will sue you as an Uber driver, your insurance will most likely deny any coverage, and drop you. Get into an accident in a gated community, where you do not live, nor have any friends or relatives, again you will be sued as an Uber driver, if there is any indication(trade dress, phone app, etc).
More and more companies are directly asking if you were in engaged in livery service at time of accident, and most will consider your departure part of livery service. Lie to them, and they can press charges.