Which Business Auto Policy endorsement covers employees while using their personal cars for business purposes?

The endorsement that covers employees while using their personal vehicles for business purposes is designed to provide liability coverage for situations where employees drive their own cars on behalf of the company. The correct choice is indeed the endorsement that explicitly extends coverage to employees in such scenarios.

When employees use their personal vehicles for business tasks, those vehicles are typically not owned by the business. Without adequate coverage, any accidents that occur could expose both the employee and the business to significant liability risks. This specific endorsement ensures that employees are protected under the Business Auto Policy, thereby covering bodily injury or property damage that they may cause while driving for work-related duties.

Other options, such as Non-Owned Vehicle Coverage, typically refer to the business's liability for vehicles it does not own but may use or operate. Hired Auto Liability covers vehicles that the business rents or leases. A Personal Auto Policy is specific to individual personal use and does not provide coverage for business activities. Therefore, the endorsement designed for employees using their personal vehicles for work is crucial for providing the necessary protection in the event of an accident while conducting business-related activities.