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.
Coverage Guides Related to General Liability Insurance
Sources for General Liability Insurance Answers
- 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.