This endorsement provides coverage for the insured when an employee occasionally drives his or her personal vehicle on company business. For example, if an insured sends an employee to the post office in the employee’s car and the employee has an accident in which he or she is at fault, the non-owned coverage pays on behalf of the employer. The employee’s personal auto insurance will likely deny coverage since the accident took place in the course of business.There is no coverage under this endorsement for the employee, however. That is, the business is protected against the employee’s negligent acts regarding the use of the automobile, but the employee is not. This can be remedied by adding an endorsement that adds employees as insureds under the business’ automobile policy.