Which endorsement is necessary for coverage of a non-owned auto used for business purposes?

The correct endorsement for coverage of a non-owned auto used for business purposes is the extended non-owned endorsement. This endorsement specifically extends coverage to vehicles that are not owned by the insured but are used for business activities. It is particularly important for businesses where employees may drive rental cars or personal vehicles for work-related tasks.

This endorsement helps protect the business against potential liability arising from the use of these non-owned vehicles, ensuring that there is coverage when employees are driving for business matters. Typical personal auto policies often exclude coverage for business use unless an appropriate endorsement is added, hence the need for an extended non-owned endorsement.

In contrast, the other options do not provide the same level of coverage for non-owned vehicles used for business purposes. The business use endorsement usually applies to owned vehicles, while the standard liability endorsement typically pertains to basic personal vehicle coverage without business activities. The personal use endorsement is focused on personal vehicle use, excluding coverage when a vehicle is used for business-related driving.