Personal Auto Business Use Exclusion. According to most personal auto insurance policies, an accident or loss in the process of business use is excluded. The personal auto policy other business exclusion.
For small businesses, the line between what is considered a personal vehicle and a commercial vehicle is often blurry.sometimes small business owners and employees use their. Most personal auto policies exclude business use, but then make an exception for private passenger autos that are scheduled on the policy. At a glance, many policyholders are shocked to see that the pap appears to exclude coverage for the use of any vehicle in the course of business other than farming or ranching.
Your insurer or broker will ask about the use.
To be considered for this exception, you will need to have business use coverage on your personal auto policy. The personal auto insurance policy should not be used to cover any liabilities created by a business. Here is a list of the most basic liability exclusions under a pap: Issues such as physical damage done to vehicles used for commercial.