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

The extended non-owned endorsement is essential for coverage of a non-owned vehicle used for business purposes. This type of endorsement provides liability protection when an individual is operating a vehicle that they don’t own but is being used for business activities. It is particularly important because standard personal auto policies typically do not cover vehicles that are not owned or regularly used by the policyholder, especially in a business context.

Having this endorsement ensures that if an accident occurs while using a non-owned vehicle for work tasks, the driver will have the necessary coverage for potential damages or injuries, aligning with business regulations and risk management practices. This creates a safety net for those who need to drive various vehicles for employment, ensuring that both the driver and the company are protected from financial liabilities associated with accidents.