What does non-owned auto liability coverage protect businesses from?

Non-owned auto liability coverage protects businesses from liability claims arising from the use of vehicles that are not owned by the business itself. This type of coverage typically extends to scenarios where employees or volunteers are using their personal vehicles for business purposes, such as running errands or attending meetings on behalf of the company.

When a business is held liable for an accident involving a non-owned vehicle used for its operations, this coverage provides financial protection by helping to pay for claims related to bodily injury or property damage. This ensures that the business is not exposed to significant financial risk from actions that occur during the use of vehicles that it does not own.

The other options generally do not align with the purpose of non-owned auto liability coverage. For example, claims involving owned vehicles would typically fall under a different insurance category specifically designated for vehicles owned by the business. Similarly, claims involving personal vehicles of clients and liability for rented vehicles focus on other types of coverage and situations not specifically addressed by non-owned auto liability. Hence, option B accurately captures the essence of what this coverage is intended to protect against.