Does general liability cover our road tests?
Do not treat CGL as road-test insurance. Automobile is a major CGL exclusion, so review the actual auto wording and declared use.
Give the broker each test vehicle’s owner, driver, route, location, passenger use, and test purpose. Ask where liability and damage to the test vehicle are addressed and which activities or drivers are excluded.1
If your test uses a customer vehicle, ask separately how it is treated while your team drives, stores, or modifies it. The vehicle schedule and policy language matter more than the broad line label.1
Read the Automotive Insurance Buying Guide
Sources and Further Reading for Automotive
Get Help With Insurance Buying and Renewals.
Get help buying coverage and managing renewals, with less paperwork for your team. Create your account and submit an insurance request online.
