Under a personal auto policy, which individual is excluded from coverage for bodily injury while transporting passengers for a fee?

In the context of a personal auto policy, the exclusion of coverage for bodily injury while transporting passengers for a fee is specifically aimed at individuals who are using the insured vehicle for commercial purposes. When a named insured’s employee is involved in transporting passengers for a fee, it constitutes a business use of the vehicle rather than personal use. This makes such situations outside the scope of coverage typically provided in a personal auto policy, which is designed for personal use and not for any commercial endeavor.

In contrast, the other options—insured's relative, business partner, and neighbor—would not trigger the same exclusion under a personal auto policy. This is because they are generally considered to be using the vehicle for personal, non-commercial purposes. By emphasizing the nature of the use of the vehicle, the personal auto policy maintains its focus on personal, recreational, or family-related activities while providing exceptions for specific liabilities arising under commercial or business use scenarios.