When analyzing the scenario regarding the coverage under the Commercial General Liability (CGL) policy in the context of a forklift accident, it's important to understand how CGL interacts with vehicle classifications.
In this case, coverage under the CGL policy does not extend to incidents involving vehicles designed primarily for use on public roads, which includes any vehicle categorized as an "auto." Forklifts, while they are used in business operations, specifically fall into the category of machinery, and their operation on motor vehicle laws generally differentiates them from standard vehicles.
CGL policies often explicitly exclude coverage for any incidents involving vehicles that are used primarily for recreational or public road activities. Instead, such scenarios typically require a Commercial Auto policy to provide the appropriate coverage. Therefore, the lack of coverage under the CGL in this case is tied directly to the classification of the forklift as a type of vehicle that falls under the "auto" exclusion.
Recognizing these nuances is critical, as it demonstrates the limitations of the CGL policy and emphasizes the need for businesses to ensure they have the proper types of coverage for their specific circumstances.