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 endorsement is specifically designed to provide liability coverage when the insured operates a vehicle that they do not own, which can include vehicles borrowed from friends or family or vehicles rented for business purposes.

This coverage is essential for business operations because it ensures that an individual or business is protected in case of an accident involving a non-owned vehicle while conducting business activities. It broadly addresses the gap left by standard auto liability policies, which typically cover only owned vehicles.

Drive Other Car Coverage primarily extends coverage to individuals driving vehicles owned by others, such as personal vehicles borrowed from friends or family, but does not provide coverage for non-owned vehicles in a business context. Hired Auto Coverage pertains to vehicles that are rented or leased by the business, thus it does not extend to private vehicles. Loss of Use Coverage deals with the loss of use of a covered vehicle while it is being repaired or replaced due to damage, rather than addressing liability issues related to non-owned vehicles.

Thus, Non-owned Auto Coverage is the correct endorsement for protecting the insured against liabilities arising from the use of vehicles they do not own.