Louisiana P&C Adjuster Practice Exam

What endorsement would be necessary to cover Trisha, who uses her own vehicle for work-related purposes?

1. Commercial Auto Endorsement

2. Employee As Additional Insured endorsement

3. Business Use Endorsement

4. Employee Vehicle Coverage

The correct answer is: Employee As Additional Insured endorsement

In a scenario where Trisha uses her own vehicle for work-related purposes, the appropriate endorsement to provide coverage is the Employee As Additional Insured endorsement. This endorsement allows for coverage of employees who use their personal vehicles while performing work duties. By adding this endorsement, the policy can extend coverage to Trisha for claims that arise while she uses her vehicle for job tasks. With this coverage, potential liabilities stemming from accidents or incidents are addressed, ensuring that Trisha is protected while conducting work-related activities with her personal vehicle. Businesses typically seek this endorsement to mitigate risks associated with employee vehicle use, reinforcing their insurance policy against possible claims. While other options may seem relevant at first glance, they either provide coverage for different situations or are not specifically aimed at addressing the liability exposure associated with employee vehicle use in a work context. Therefore, the Employee As Additional Insured endorsement is the most suitable choice for Trisha.