Does General Liability Cover Personal Vehicles Used for Business?
A standard CGL policy generally excludes most work-related crashes in personal vehicles; hired and non-owned auto coverage may address business liability.
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.
