Which type of loss would not be covered by a personal auto insurance policy while the vehicle is used for business?

A personal auto insurance policy typically excludes coverage for bodily injury to employees when the vehicle is being used for business purposes. Most personal auto policies are designed primarily for personal use and do not extend coverage when the vehicle is being utilized for business activities, especially concerning employees.

In the context of the other options: accidental physical damage may be covered under certain circumstances, third-party liability claims are generally included unless specifically excluded, and injury to passengers often falls under the liability coverage of the personal auto policy as well. However, injuries sustained by employees while they are engaged in work-related activities usually require specific business auto insurance or workers' compensation coverage, which is outside the scope of a personal auto policy. This distinction is vital because it underscores the importance of having the appropriate insurance coverage tailored for business operations to ensure all potential liabilities are adequately addressed.