In some instances, a personal auto insurance policy can provide coverage for certain business uses. For example, if you use your personal vehicle occasionally for business purposes, your personal auto insurance carrier may be able to customize your policy to indicate this usage, although you may have to pay higher premiums. However, a personal auto insurance policy only provides limited coverage for business use. Notably, it excludes liability claims. Therefore, if you are involved in an accident while using your personal vehicle for work, you'll be overexposed to losses. Moreover, personal auto insurance offers no coverage for personal vehicles used mainly for work or business-owned vehicles.