What endorsement on a BOP will extend liability coverage for an accident involving a vehicle not owned by the insured?

The endorsement that will extend liability coverage for an accident involving a vehicle not owned by the insured is known as Hired and Non-owned Auto Liability. This coverage is essential for businesses that may use rented vehicles or employees' personal vehicles for work-related purposes. In such scenarios, the business could be held liable for accidents that occur while these vehicles are being used in the course of the business's operations.

Hired and Non-owned Auto Liability specifically addresses these risks by providing liability protection in cases where the insured does not own the vehicle but still requires coverage. For instance, if an employee gets into an accident while driving their own car for business errands, this endorsement would apply, protecting the business from liability associated with that accident.

The other options described do not provide the same coverage for non-owned vehicles. Personal and Advertising Injury Liability primarily covers claims against the business for injuries such as defamation or violation of privacy. Utility Services-Direct Damage deals with loss or damage to the business's property due to utility service interruption, while Protective Safeguards focuses on the business's equipment and procedures to minimize risks. None of these options would extend liability coverage for vehicles that are not owned by the insured, which is why Hired and Non-owned Auto Liability is the correct