What Business Auto policy endorsement covers the insured for the use of autos they do not own?

The endorsement that covers the insured for the use of autos they do not own is Non-owned Auto Coverage. This type of coverage is specifically designed to protect individuals and businesses when they use vehicles that are not owned by them but are utilized for business purposes. It provides liability coverage for the insured while operating these non-owned vehicles.

For example, if an employee uses their personal car while conducting business on behalf of their employer, Non-owned Auto Coverage would provide the necessary liability protection in case of an accident. This endorsement is crucial for businesses that rely on employees using their vehicles for work-related tasks, ensuring that the business has coverage for any potential liabilities that may arise from such use.

The other options serve different purposes: Drive Other Car Coverage typically applies to individuals who are driving vehicles that are not owned by them, often intended for personal use. Hired Auto Coverage extends to vehicles that a business rents or leases. Loss of Use Coverage pertains to the rental expense associated with a vehicle while it is out of service due to an insured event. Each of these covers distinct scenarios and does not specifically address the use of vehicles that are not owned.