Does General Liability Cover Company Vehicles?
No. General liability excludes accidents involving vehicles your business owns or uses; you need a commercial auto policy for company vehicles and drivers.
No. The standard general liability form excludes injury and damage arising from any auto your business owns, operates, rents, or borrows, including claims that you negligently supervised the driver.
Insure company vehicles on a commercial auto policy. List each vehicle, driver, and business use, and pick liability and physical-damage limits that fit. If you also rent or borrow vehicles, ask the auto insurer how those are covered.
Coverage Guides Related to General Liability Insurance
Sources for This Answer
- 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.