Which of the following is NOT typically covered by a business auto policy?

A business auto policy primarily provides coverage for vehicles that are owned, leased, or rented by a business for business purposes. This type of policy is designed to cover vehicles that are used in the course of conducting business activities, ensuring that the insured is protected from various risks such as accidents, liability, and physical damage.

When it comes to personal use of the vehicle, this typically falls outside the standard coverage offered by a business auto policy. The policy is focused on business-related uses, and personal use can complicate risk assessments and liabilities. Coverage for personal use may be excluded or limited, as the policy’s intention is to provide protection for business-related activities rather than personal errands or leisure driving.

The other scenarios presented in the options are generally included within the ambit of a business auto policy. For instance, a named insured operating a covered auto, employees using an auto with permission, and business-related use of a non-owned auto all typically fall under the coverage of such policies, reinforcing the idea that the primary focus is on business operations and responsibilities.