What endorsement covers hired or nonowned autos used by a business?

The chosen answer, the hired and nonowned auto liability endorsement, is the correct one because it specifically addresses the liability associated with vehicles that are not owned by the business but are used for business purposes. This endorsement is crucial for businesses that employ temporary or rental vehicles, ensuring that they have coverage for liability arising from accidents involving these vehicles.

Businesses often face risks associated with employees using their personal vehicles for business tasks or hiring vehicles when necessary. The hired and nonowned auto liability endorsement extends the coverage to encompass these scenarios, protecting the business from potential liability claims that can arise if an employee causes an accident while using a hired vehicle or their own automobile for business activities.

The other options do not correctly address the specific coverage needed for hired and nonowned vehicles. Business auto coverage generally applies to vehicles owned by the business itself rather than those that are hired or nonowned. Commercial auto liability typically covers owned vehicles and may not extend to nonowned or hired vehicles unless explicitly included. A general liability endorsement does not provide coverage for auto-related liabilities, which centers around general business operations and not specifically vehicles. Thus, the hired and nonowned auto liability endorsement stands out as the appropriate choice for this context.