Does General Liability Cover Company Vehicles?
No for crashes involving a company vehicle; check a commercial auto policy for the vehicle and drivers.
A standard CGL policy generally excludes liability from a company vehicle crash. The ISO specimen’s auto exclusion applies to many claims arising from an insured’s ownership, maintenance, or use of a vehicle, including some negligent-supervision allegations.
Check that your commercial auto policy covers each vehicle, driver, and business use, with suitable liability and physical-damage limits. Ask how rented or borrowed vehicles are covered; do not rely on CGL for that protection.
Related Coverage
Sources
- Commercial general liability insurance. Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.
