Does General Liability Cover Auto Accidents?
No. General liability excludes crashes involving vehicles you or your team own, rent, or drive, so you need commercial auto coverage for business driving.
No. The standard general liability form excludes injury and property damage arising from the ownership, maintenance, use, or entrustment of any auto owned, operated, rented, or loaned to an insured. The exclusion holds even when the claim says you were negligent in hiring, training, or supervising the driver.
For business driving, buy commercial auto coverage and make sure its vehicles, drivers, uses, and limits match how you operate. If employees drive their own cars or you rent vehicles, ask your insurer how those are covered, because your general liability policy won't pick them up.
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