What does CGL auto coverage specifically exclude?

The correct choice highlights that Commercial General Liability (CGL) insurance does not provide coverage for personal vehicles. CGL policies are designed primarily to address liability arising from business operations and activities, particularly concerning bodily injury and property damage related to the operations of the insured's business.

Personal vehicles, which are typically insured under personal auto insurance policies, fall outside the scope of coverage provided by CGL. This exclusion helps delineate the boundaries of CGL and limits the risk exposure for insurers in dealing with non-commercial auto liabilities. Additionally, since personal auto policies specifically address risks associated with personal use and operation of vehicles, the CGL policy ensures that these different types of coverage are maintained separately to avoid overlaps.

In contrast, the other options involve aspects that are typically not excluded under a CGL policy. Coverage for mobile equipment may still fall under general liability as it pertains to business operations, liability for accidents on public roads is generally not excluded, as CGL policies may cover certain liability claims that occur during business operations regardless of where they happen, and property damage caused by employees is often covered under the CGL, provided the damage occurs in the course of their employment duties.