Nebraska Property and Casualty Practice Test 2025 – All-in-One Comprehensive Study Guide for Exam Success!

The endorsement that protects the insured's employees using a vehicle not owned, hired, or borrowed for business is known as the "Employees as insureds" endorsement. This coverage is particularly important for employers because it extends liability coverage to employees who may be driving their personal vehicles while performing work-related tasks.

In situations where employees are using their own vehicles for company business, this endorsement ensures that they are protected under the commercial auto policy in case of an accident or liability claim. By including this endorsement, employers can mitigate their exposure to potential lawsuits resulting from incidents occurring while employees drive their personal vehicles for work purposes.

Other endorsements listed, while they serve specific functions within a commercial auto policy, do not provide this particular layer of coverage for employees using their own vehicles. For example, the "Drive Other Car" endorsement typically covers individuals driving vehicles they do not own, but it does not extend to employees using their own vehicles. Therefore, the "Employees as insureds" endorsement is the most relevant for businesses needing to protect their employees in these circumstances.