Does General Liability Cover Personal Vehicles Used for Business?
No for most work-related crashes. Ask about hired and non-owned auto coverage for personal cars used on company business.
CGL generally excludes liability from a personal vehicle used for company work. The ISO form’s auto exclusion can apply even when your business does not own the vehicle; the driver’s personal policy may also limit business use.
Ask whether hired and non-owned auto coverage protects your business and the drivers. Confirm covered uses, limits, and exclusions with both policies.
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.
