Which policy generally covers most auto liability exposures?

• A. Commercial General Liability
• B. Business Auto
• C. Professional Liability
• D. Inland Marine

Answer: (B)

When a business uses vehicles, the liability that can come from those vehicles is addressed best by a policy written specifically for autos. The Business Auto policy is designed to cover the legal liability arising from the use of owned, hired, and non‑owned autos in the course of business. It provides the bodily injury and property damage protection that can result from vehicle operations, and it can extend to hired and non‑owned vehicles with the right endorsements.

A Commercial General Liability policy is broader for general operations but typically excludes auto liability or handles it only in a limited way, which leaves a gap for vehicle-related risks. Professional liability covers service-related risks, not vehicle use, and inland marine covers property in transit or mobile equipment, not the auto liability exposure from driving. So, for most auto liability exposures, the Business Auto policy is the appropriate choice.