What does the employer's non-ownership coverage cover?

The employer's non-ownership coverage is designed to provide liability protection to an employer when an employee uses their personal vehicle for work-related purposes. This means that if an employee is driving their own car while conducting company business—such as running errands or visiting clients—the policy will cover any potential liability issues that may arise from that use. This type of coverage is important because it helps shield the employer from claims that could occur while an employee is driving for work, thereby protecting the company’s assets.

The other options do not accurately reflect the purpose of this coverage. For example, while option A pertains to the coverage of rented vehicles, it does not directly relate to the scenarios involving an employee’s personal vehicle. Option C addresses the use of an employee's personal vehicle during off-hours, which is typically not covered by the employer's non-ownership coverage, as it specifically concerns work-related usage. Option D suggests that the coverage only applies to employee vehicles, overlooking the key aspect that it provides liability coverage for employees using their own vehicles on behalf of the employer.